Canadian tech company uses AI to assess loan qualifications

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A Canadian fintech firm is using the power of artificial intelligence to assess whether a client qualifies for a loan.

Propel Holdings uses AI to bring in less-traditional screening data – such as email address and cell phone plans – to score a client’s loan qualifications. Given the company’s clients are often already denied loans from a top bank, Propel's CEO Clive Kinross believes that AI gives a clearer picture of a client’s ability to repay the loan in cases that are deemed too risky for traditional banks.

While Propel is a Canadian company headquartered in Toronto, most of its business is done in the U.S. and it’s just now ramping up Canadian expansion, he explained. “ don’t work that well for … underserved consumers and we can’t really use a traditional score for these consumers either, they don’t tell us enough information,” he said.

“We wouldn’t be able to score these consumers if we didn’t have the AI backbone to our propriety technology,” Kinross said.

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