Since 2003, Ingenio Software has introduced the extensive pattern recognition capabilities of neural networks into decision systems in banks and financial institutions on the national market. Specific neural models have been developed to track non-performing loans (NPLs), fraudulent card transactions and fraudulent attempts at credit application.

Ingenio has built its reputation on the collaboration with the top players in the banking industry:

• 4 top banks in Romania
• Over 50% retail lending market
• 10 000 locations nationwide
• 10 billion Euro total credits
• 1000 simultaneous accesses

Due to highly evolved neural networks, the software monitors your customers' behavior to identify:

• Default/migration probabilities
• Early termination/prepayments
• Systemic risk due to macroeconomic evolutions
• Demand for new types of financial products and services

Our software platform has developed into a lifetime portfolio management solution, handling the loan requests processing, integrating decision engines, collection modules as well as sales force monitoring and incentives management.

Our main projects on the Romanian market in respect to fraud & risk management include:

• Transactional fraud tool for credit & debit cards
• Transactional fraud tool for online banking transactions
• Application fraud software for retail lending
• Default risk model for retail lending & credit cards

As the technology increasingly shapes the decision-making process in the top financial institutions, Ingenio has started to implement pattern recognition to assist with collection, attrition and cross-selling mechanisms across customer portfolio.