Banks and lenders.
Banks and lenders make two kinds of decision: about one customer, and about the whole book. Luminnovate serves both from the same evidence, so each decision can be explained to the customer, the board and the regulator.
The decisions that matter here
Decide for one
Every credit, pricing or identity decision is about one customer, and has to be explainable for that customer.
Steer the book
What is moving across the book, why, and what to do about it before it reaches the numbers.
One platform under every decision in the life of a loan
Origination, renewal, monitoring, collections and offers are each a decision the platform supports. Every decision is logged, and its outcome feeds the next.
The rules our clients work under
Built to fit the obligations our clients carry under APRA CPS 234, CPG 235, CPS 220 and CPS 510; the Financial Accountability Regime; NCCP and ASIC RG 209; AFCA and ASIC RG 271; Privacy Act Part IIIA; the Consumer Data Right; and AML/CTF obligations and the Scams Prevention Framework. What we provide for each.
What we can show today
Pilot ready, and tested on public and synthetic data. Two cases from Insights:
- Revenue overstated by inflowsIllustrative worked example
- Overdraft fees before missed repaymentsReal bank data from an open research dataset
Pilot ready, and tested on public and synthetic data. A first conversation is about one decision you already make and the outcome you care about.
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