GiniMachine

GiniMachine is a no code predictive modeling platform for businesses that make the same yes or no decision over and over about people and accounts. You upload historical records of past decisions and their outcomes, and the platform builds, validates and deploys a scoring model without a data science team writing code. Its main markets are lending, debt collection, telecom and auto dealerships. The credit scoring product underwrites applicants, including thin file borrowers that conventional scorecards reject, while the collection scoring product ranks debtors by likelihood of repayment and suggests which contact method suits each one. Other documented uses include churn prediction and valuation of a loan portfolio. A model can be built from about a thousand raw records, the platform assesses the accuracy of what it produces and its suitability for forecasting, and it reports which variables carried the most weight in a given prediction. The company packages this as GCredit and GCollection and publishes case studies covering collection agencies and lenders. GiniMachine publishes no prices. There is no pricing page on the site, no plan table and no structured pricing data; the only routes forward are a free trial signup and a sales conversation, so the cost of a deployment has to be negotiated directly with the vendor. A free written audit of a credit department is also offered to prospects in exchange for contact details.