TRUST. ENGAGE.
ADD VALUE.

ABOUT US

Founded in 2004 by Grigoris Karakoulas, InfoAgora delivers innovative prescriptive analytics, RegTech (IFRS9/CECL/IRRBB/Basel III) solutions and risk management consulting that have enabled our clients to proactively manage risk/reward in their portfolios and increase profitability.

Our team combines over 130 years of Risk Management and Machine Learning expertise.

As a thought leader and provider of leading-edge analytics solutions, our company empowers Financial Services companies with new capabilities to understand and predict customer behavior, measure and mitigate risk under different macro and micro scenarios, at both the customer and portfolio levels, in order to gain competitive advantage.

Each of our solutions leverages proprietary machine learning technology. Our breakthrough data preprocessing and modeling techniques deliver dynamic and robust models for predicting customer behavior, such as default, loss given default, prepayment, usage, attrition, and fraud.

Clients, ranging from systemically important banks to midsize and regional banks and credit unions, use our solutions and services for:

  • scenario generation, integrated stress testing and loss allowance estimation
  • regulatory and economic capital estimation
  • adjudicating and proactively managing customers in retail, small business and commercial lending
  • interest rate risk measurement due to prepayment/redemption
  • product and price optimization
  • internal model validation and benchmarking

Our solutions vary, from custom models to full-fledged applications, integrated into client’s systems or as a service. They have resulted in multi-million dollar benefits with high returns on investment (>1000%).

OUR VISION

MODELLING R&D. INTEGRATE. EMPOWER.

Financial services companies are facing a formidable array of challenges due to ongoing changes in

  • consumers’ appetite for credit and deposit products
  • consumer demographics
  • structured and unstructured data of consumer behavior
  • macroeconomic conditions and geopolitical uncertainties
  • regulatory guidelines and accounting standards

To succeed in this type of environment financial institutions need to put into place an integrated framework for measuring all risks for the activities in which the financial institution is active, be they lending, asset liability management, or fee-based businesses.

Such framework should be based on analyzing customer behavior from multiple data sources and under various scenarios that are consistent across the enterprise. Scenario planning with plausible, coherent and relevant scenarios is the next frontier for integrated, enterprise-wide decision-making and for developing a business strategy that embraces uncertainty rather than ignoring it.

Our company has developed a suite of software applications based on machine learning technology and scenario generation that can help a financial institution build such framework to increase its profitability and enhance shareholder value.

In each project, we work closely with the client through the project life cycle, since, based on our experience, the corporate intelligence created from a project is as valuable to the client as the project deliverable.

Our innovative modeling technology and the corporate knowledge resulting from its application allow an organization to find better ways to meet its competitive challenges.