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[bsfp-cryptocurrency style=”widget-18″ align=”marquee” columns=”6″ coins=”selected” coins-count=”6″ coins-selected=”BTC,ETH,XRP,LTC,EOS,ADA,XLM,NEO,LTC,EOS,XEM,DASH,USDT,BNB,QTUM,XVG,ONT,ZEC,STEEM” currency=”USD” title=”Cryptocurrency Widget” show_title=”0″ icon=”” scheme=”light” bs-show-desktop=”1″ bs-show-tablet=”1″ bs-show-phone=”1″ custom-css-class=”” custom-id=”” css=”.vc_custom_1523079266073{margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}”] Leverages to Modernize Credit with AI, the open source leader in artificial intelligence (AI) and machine learning, announced that, a global provider of artificial intelligence-based credit underwriting models, is leveraging the automatic machine learning platform H2O Driverless AI to power their fully automated and compliant process for quickly and effectively determining credit-lending risk.  By using H2O Driverless AI with expansive data sets, builds and trains models that return an automated credit decision in milliseconds, radically outperforming traditional scorecards in both consumer and small business lending.

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“ is using automated machine learning to transform how credit is assessed and is improving outcomes for lenders and borrowers alike,” said Sri Ambati, CEO and founder, “We are excited that with Driverless AI, is not only using more factors and producing fast accurate scores but also relying on explainable machine learning they can trust.’s innovation is leading the democratization of credit for people around the world.”

“Using thousands of data points instead of the handful used by traditional credit scoring services, generates a much more reliable lending risk profile for creditors to use when evaluating a credit or loan application,” explains Marc Stein, Founder, and CEO,  “By using Driverless AI to build and deploy our nonlinear models, we can provide lenders a fully automated process that delivers a highly reliable credit decision with a fully compliant explanation for the decision in less than half a millisecond. H2O and Driverless AI play an integral role in our platform, speeding up the development and deployment of models exponentially.”

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Improving Financial Outcomes  
By building models unlike anything used by traditional credit scoring services, lenders can build a broader and more secure portfolio. applies advances in AI derived from genomics and particle physics to provide lenders with nonlinear, dynamic models of credit risk which drastically improve payment default rates.  The use of nonlinear algorithmic modeling enables to effectively determine lending risk in situations with limited or non-existent credit bureau utilization in North America and throughout the world.

Democratizing Credit with AI 
H2O Driverless AI empowers data scientists, such as those at, to work on projects faster and more efficiently through automatic machine learning and state-of-the-art computing power.  With Driverless AI, tasks that typically take months, are completed in just minutes or hours. This is accomplished by delivering automatic feature engineering, model validation, model tuning, model selection and deployment, machine learning interpretability, time-series, NLP and automatic pipeline generation for model scoring. H2O Driverless AI’s versatility makes it a powerful data science platform that easily addresses the needs of a variety of use cases for every enterprise in every industry.  “There are so many challenges that’s technology can help to solve, and the more people who dig in and use it, the better the world gets,” Stein said.

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