Empowering financial institutions to make more accurate decisions
Lucid is a no-code platform that utilizes zypl’s IP to develop and deploy robust scoring models
Lucid uses the power of zGAN — our proprietary synthetic data generator and scoring pipeline (zypl’s in-house developed approach)
Collection Scoring
Elevate your financial foresight by enhancing repayment recovery predictions, generating synthetic data for varied economic scenarios, and optimizing collection strategies for financial institutions
Fraud Detection
Identify instances of fraud by simulating complex fraud patterns and evolving techniques. Using outlier synthetic data, zypl upsamples your instances of fraud to develop robust detection systems
Provisioning (IFRS-9 and GAAP)
Enhance your credit loss estimation models to protect against simulated volatile economic scenarios; all in compliance with IFRS-9 or GAAP standards
Credit Scoring
Enhance risk assessment with Zypl's proprietary credit decisioning SaaS, zScore. Powered by zGAN technology, zScore enables you to improve the accuracy of default risk (PD) predictions, achieve significant Gini uplift, and drive smarter, data-driven credit decisions
30+
Leading financial institutions across 13 markets in five continents have successfully deployed zScore
>5M
Historical loans accumulated
in database
$200M+
Portfolio underwritten with PAR30+ of 0.6% (2-year cumulative)
$1B
Portfolio committed for 2024-25
