Solution Overview

Financial Services

18% stronger than traditional Bureaus

Risk Assessment

71% higher performance

Debt Collection

60% of fraud identified and captured

Fraud

At COGITAIT, we craft AI-powered solutions designed to transform financial services. Our expertise spans risk modelling, online decision platforms, and algorithmic trading, pushing innovation in lending and insurance. We specialize in creating unique alternative variables, advanced data engineering, and deploying state-of-the-art modelling techniques.

Rewriting the rules of financial intelligence

At Cogitait, we don't just analyse data — we transform it for a competitive edge. In a landscape where risk, churn and outdated metrics limit growth, we bring clarity, precision and performance to your data and operations. Whether it's transforming debt recovery, redefining credit scoring with alternative data, or predicting customer churn before it happens, our Al-powered solutions turn complexity into commercial advantage. We help financial services, telecoms, and lenders unlock smarter decisions, accelerate revenue and build loyalty — all backed by measurable results.

Credit Scoring and Risk Assessment

We elevate credit risk assessment with cutting-edge data engineering and advanced modelling to deliver sharper, more accurate risk profiles for both well-established customers and those with limited or no credit history. Processing millions of credit approvals each month, our solutions don't just manage risk-they drive significant revenue growth for our clients. Turn credit challenges into growth opportunities with COGITAIT's powerful, data-driven insights

Fraud Detection & Collection

We continuously work with top telecoms providers to revolutionise their debt collection strategy, driving measurable impact. Through proprietary Al, advanced analytics, and alternative data, we optimise Right Party Contact (RPC) strategies, boosting successful connections with delinquent customers and reducing account dormancy. By aligning service packages with customers' financial capacities, we don't just increase collection rates; we strengthened customer retention too. This collaboration exemplifies how strategic Al solutions drive bottom-line growth and lasting customer loyalty.

Predicting and Reducing Churn

Our advanced Al techniques including weights of evidence, logistic regression, and random forests, fuel predictive models that pinpoint high-risk churn customers with precision. By analysing detailed activity patterns and transaction histories, we create tailored offers that effectively re-engage and retain customers. With our data-driven approach, turn customer risk into retention and build loyalty that lasts.

Alternative Data Scoring and Substitute Scorecards

Traditional credit scoring, limited to credit bureau data and past credit activities, overlooks the full picture of a customer's financial potential. Alternative data and Substitute Scorecards gleans insight into habits, preferences and behaviours to paint a richer, more reliable profile. This offers a deeper understanding of a customer's character and reducing manipulation risk. In fact, 65% of lenders, according to Experian, are already leveraging alternative data to make smarter, more informed lending

Case Studies

Real-world results from our partnerships

Major UK Lender: Alternative Credit Scoring

We helped a major UK lender implement an alternative credit scoring model that resulted in an 18% improvement over traditional bureau scores. This allowed them to safely expand their market reach by 21% while maintaining their risk profile.

18%Model Improvement

21%Market Expansion

Global Financial Institution: Fraud Detection

Our fraud detection system helped a global financial institution identify 60% of fraudulent transactions at a low model cut-off, resulting in annual savings of over £3.5 million while reducing customer friction during legitimate transactions.

60%Fraud Identified

£3.5MAnnual Savings