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| Technology > Scorto™ Lab |
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Scorto™ Lab 
Scorto™ is a technology company, driven by its passion for innovation and progress in the fields of artificial intelligence and banking technologies. Scorto™ Lab is Scorto's™ central research organization that is totally focused on inventing the future for both our company and the credit scoring industry on the whole.
The vast amount of experience, acquired by our experts, and the unique expertise of Alyuda Research have been successfully directed by Scorto™ Lab toward the development of state-of-the-art, revolutionary credit scoring products. It is owing to this that the technological eminence of Scorto™ Lab's creations can hardly be matched by any other similar software. The bulk of Scorto's™ research is conducted in our business units, which develop the products and services we offer to our clients. Scorto™ Lab's mission is delivering breakthrough technological advancements that provide a competitive advantage for Scorto™, as well as creating new approaches that are aimed to raise the existing credit scoring industry standards. Currently, Scorto™ Lab's research is focused on the following areas: Re-Inventing Scoring - Providing technology that will allow customers to improve the cost-effectiveness and business value of their investments in scoring software. We provide this technology by conducting research in adaptive dynamic scoring algorithms, automatic risk control, scoring results visualization, and some unique ways of applying the scoring technology to CRM and portfolio management. Psy-scoring - Designing a new generation of scoring solutions by combining artificial intelligence technology, data mining and recent findings in psychology, the behavioral and social sciences. Expert Knowledge Extraction - Creating special tools for the extraction of human experts' knowledge, including non-linearity and cross-dependences in raw data. Developing algorithms for the conversion of expert knowledge and its further integration into AI-based scoring systems. Scoring-specific Neural Networks - Inventing new ANN architectures and training algorithms, geared specifically toward application, behavioral and collection scoring. Achieving higher quality scoring results by modifying Artificial Neural Networks to fill the specific needs of credit scoring. |
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