Financial Data Science Experts.

Providing data science and AI development services from downtown Bethesda, MD.

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Are you lending money?

Learn how we have doubled return-on-assets for our lending clients.

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Are you investing money?

Learn how financial machine learning can improve your investing approach.

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A few of our solutions

Financial machine learning. Machine-learned investing and lending models outperform competitors under a variety of market conditions. Our clients know. Read more.

Data-driven investment valuation. Investment firms can move away from scoring models towards data-driven investment valuation models. Read more.

Portfolio visualization. Cutting-edge trusts and funds can use elegantly designed portfolio visualization tools to communicate the value of their expertise to existing and potential clients. Read more.

Actuarial science. Probabilistic models of financial behavior are growing necessarily more complex given newly available data. Read more.

Fraud detection. Businesses are more capable than ever of staying ahead of criminal elements by analyzing complex networks of data. Read more.

Risk management. As investor demand for exotic assets increases, managers need increasingly complex monitoring and analysis tools to measure financial risk. Read more.

How lenders use machine learning

John Smith's Loan
Credit score 580
Debt $5K
Income $80K
Type Personal
New deal arrives
 
Credit Score Effect
< 550 -28%
550 - 650 -11%
650 - 750 +9%
750+ +17%
Debt to Income Ratio Effect
< 10% +13%
10% - 30% +3%
30% - 50% -4%
> 50% -16%
Loan Type Effect
Home -3%
Auto +0%
Personal +2%
Business +7%
ML model computes effects
 
John Smith's Loan
Payments $12K
Repayment % 71%
Gross profit $4K
Net profit $1K
Cash flow projected

How lenders use machine learning

New deal
arrives
John Smith's Loan
Credit score 580
Debt $5K
Income $80K
Type Personal
 
Compute
effects #1
Credit Score Effect
< 550 -28%
550 - 650 -11%
650 - 750 +9%
750+ +17%
 
Compute
effects #2
Income Ratio Effect
< 10% +13%
10% - 30% +3%
30% - 50% -4%
> 50% -16%
 
Compute
effects #3
Loan Type Effect
Home -3%
Auto +0%
Personal +2%
Business +7%
 
Project
cash flow
John Smith's Loan
Payments $12K
Repayment % 71%
Gross profit $4K
Net profit $1K

Lenders and investors make better decisions with AI.

Boutique professional services

Depth of expertise in finance.

Our mix of experience working with investors, lenders, creditors, financiers, servicers, and fintech leaders gives us the edge.

Public & Private Markets

We serve private market investors, lenders, and fintech companies, as well as public market investors.

Development & Consulting

We provide all the resources necessary to both plan and execute financial data science projects.

Like it's our own money.

Profit oriented.

Financial machine learning research is mired by data snooping and data leakage. We follow strict rules to generate valid profit-maximizing models.

Time Series Specialists

Data leakage in financial time series modeling can happen both across the parameter space and the time domain if not carefully executed.

Technological Realists

"All models are wrong, but some are useful." — George Box, statistician who studied time series and experimental design.

Full-stack focus on data

Full-stack and web-ready.

Our proprietary development stack helps us build ML-powered web applications quickly and securely.

Secure & Scalable

Our AWS-certified professionals have your web application under control. We'll make your solution run like clockwork, in your cloud or ours.

Plug & Play Components

Rapid development means more time spent doing data science and less time spent managing software.