Luminnovate offers two connected products with different users, data requirements and outputs. Start with the decision you need to improve.
Choose your productYou can use either product independently. Together, they connect portfolio evidence with interpretable underwriting practice.
Turn an SME application into a review-ready credit assessment.
Combine KYB, documents, bank transactions and relationship history into behavioural metrics, risk flags, focused questions and a source-backed credit memo.
Turn historical outcomes into validated decision assets.
Engineer candidate signals from historical inputs, decisions and realised outcomes, then quantify their outcome-specific performance and incremental lift beyond the current baseline.
LuminoEvidence discovers which patterns carry risk or commercial value across the portfolio. LuminoUnderwrite expresses supported evidence as behavioural metrics that can be interpreted, challenged and applied to an individual case.
Test statistical candidates and underwriter hypotheses against historical outcomes.
Measure incremental value, stability, coverage, economics and limitations.
Define interpretable metrics across ability, stability, conduct, trajectory, concentration and confidence.
Use the evidence in case assessment, then feed new outcomes into the next learning cycle.
We will identify whether the first step belongs in LuminoUnderwrite, LuminoEvidence or a staged path across both.
