Our innovative and alternative Artificial Intelligence credit score platforms use non-traditional variables and Machine Learning to predict the creditworthiness, and the probability of defaults of a potential borrower, either banked or unbanked, who has no access to traditional credit and no credit history (approx. 3 Billion people worldwide).
Our credit scoring platforms are complemented by a digital credit management platform which includes digital customers on-boarding through white label channels, loan lifecycle management (disbursement to collection), real-time data access, reporting, customer communication management, etc. Our innovative open-data platform allows to access alternative financial data and payments history of users.
Proprietary & Innovative Technology (IPR)
Our model is anonymous, dynamic, instant & scalable
Using AI & ML
Lean & cloud-based infrastructure
SaaS / Technology Licensing
Small businesses & consumers
Press release - Apr 27, 2021
Gracias a la tecnología de MO y a su sistema algorítmico patentado de scoring crediticio y de sus modelos predictivos que involucran machine learning e inteligencia artificial, los mensajeros aliados han podido acceder desde el mes de agosto del 2020, a préstamos que oscilan entre los COP 150.000 y COP 1.000.000. ... Continue reading
Press release - Mar 9, 2021
MO Tecnologias LLC announces that the United States Patent and Trademark Office will issue on March 16, 2021, patent number 10949918, which covers MO's core credit scoring technology based on determining the behavioral profile of a consumer. This invention encloses the system and method for issuing a loan to a consumer determined to be creditworthy and generates a consumer's behavioral profile. ... Continue reading