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Ant Credit Engine (ACE)
Smarter Credit Services for Smarter Lending
In many parts of the world, access to credit remains a challenge for billions of MSMEs and individuals due to the lack of collaterals, stable financial history, or credit records. These gaps aren’t just social issues; they are missed business opportunities. To serve these segments effectively, financial service providers must reimagine their approach to credit assessment and lending. They need more intelligent credit technology solutions that leverage alternative data sources and are seamlessly embedded into existing systems to enable smarter, more inclusive credit services.
That‘s where Ant Credit Engine (ACE) comes in.
ACE, a core innovation developed by Ant International Credit Tech, ACE is an intelligent and automated credit engine. It helps financial institutions, fintechs, e-wallets and other qualified lenders such as digital platforms in e-commerce, delivery and ride-hailing sectors to make credit decisions with greater efficiency, accuracy, and speed. Whether you are launching lending business from scratch or upgrading legacy credit system, ACE enables smarter decisioning, unlocking new growth opportunities for your organisation.
At the heart of ACE are 4 key modules from data ingestion to real-time strategy development.
Smart Data
Organise all data sources in one place from traditional credit bureau records to alternative data. ACE does not store your data but securely connect and read data from multiple sources through authorised connections to support meaningful credit insights.
Smart Feature
Transforms sparse data into insights through alternative data modelling and algorithms including heterogeneous networks and deep neural networks. This enables lenders to assess borrowers' eligibility more precisely and efficiently, with a more comprehensive view of their financial situation.
Smart Decision
ACE simplifies credit strategy and accelerates the configuration and deployment of credit policies from weeks to minutes. Leverage on pre-built strategies that comes with user-friendly drag-and-dropinterface within its code-free environment, ACE allows lenders to build and adjust strategies easily.
Smart Policy
Enables one-click deployment and real-time strategy monitoring allows lenders to deploy strategy instantly, making it easy to adapt to market shifts or portfolio trends as they happen.
Lending business is inherently cyclical, often influenced by economic shifts, consumer sentiment, and regulatory changes. In such a dynamic environment, lenders need more than static rulebooks, they need flexible and intelligent feature that can adapt in real time. ACE’s AI-driven Strategy Bot is designed to enable lenders to generate tailored and precise credit policies in minutes.
Lenders can define and prioritise business objectives and constraints such as:
Increasing customer eligibility
Reducing delinquency or portfolio risk
Detecting fraud patterns early
Balancing approval rates with risk exposure
The Strategy Bot automatically analyses and compares a wide range of decision sets, optimising for the best possible outcome. It dynamically balances approval rate and risk exposure and generates custom strategies that align with lender‘s specific operational and regulatory context.
When credit meets intelligence, opportunity expands!
With market-leading alternative data intelligence and advanced technology, ACE empowers lenders to grow responsibly, serve new segments, accelerate time to market and optimise existing credit strategies.
Let’s build the future of credit, together.
Book a demo and discover what Ant Credit Engine (ACE) can do foryour business.
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