Redefining Credit: Periculum Wins A.I - Driven Credit Innovation Company of the Year, Founder/CEO Named A.I Leader in Financial Services

A Double Victory for Innovation and Leadership

Periculum is thrilled and honoured to announce a momentous achievement: we have been recognized with two prestigious industry awards!

Tech Innovation Awards 2025 has named Periculum as the A.I - Driven Credit Innovation Company of the Year, a powerful validation of our commitment to leveraging cutting-edge technology to reshape financial services. Adding to this extraordinary success, our visionary Founder & CEO; Michael Collins has been individually recognized as the A.I Leader in Financial Services.

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These awards are a collective win for our team, our partners, and every user who benefits from smarter, faster, and more inclusive credit decisions. At the heart of this recognition lies our flagship product: Insights.

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Insights: The Solution Behind Our Award-Winning Innovation

The award: "AI-Driven Credit Innovation Company of the Year" is a direct reflection of the impact our solutions, particularly Insights, are having on the industry.

Insights is designed to provide financial institutions with all the data they need to know about a customer in seconds. By leveraging comprehensive data analytics and proprietary machine learning models, Insights transforms complex decision-making into a seamless, automated process.

Key Benefits Driving Credit Excellence:

• Real-Time Analytics: Our data analytics provide predictive insights, enabling our clients to make informed and unbiased decisions about a customer's financial well-being based on relevant data available in real-time.
• Proprietary Credit Score Engine: We build highly accurate, customized credit scorecards that determine applicant creditworthiness based on the financial institution’s specific risk appetite.
• Affordability Model: This computes and predicts disposable income, allowing institutions to make smarter, on-the-spot lending decisions that promote financial stability for the customer.

By automating data collation, analysis, and verification, Insights helps our clients save time, significantly improve credit decisioning accuracy, and most importantly, promote financial inclusion for underserved populations.

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Proof in Practice

The true measure of our success is the value we create for our partners. We are proud to share the reviews from renowned financial leaders who rely on Insights everyday:

1. Fairmoney (Rated Insights 9/10)

“Insights help reduce manual work. We use your product daily for underwriting every credit.”

This testimonial highlights a core benefit of Insights: freeing up valuable human capital by eliminating time-consuming manual processes, allowing teams to focus on strategy rather than paperwork.

2. Advans:

“Insights has improved turn around time on Credit Analysis. We use it daily as the need arises.”

For a financial institution, reducing the turn-around time (TAT) for credit analysis directly translates into better customer experience and a competitive advantage in the market, proving the speed and efficiency of our A.I-driven solution.

Celebrating Visionary Leadership

The recognition of our Founder & CEO as an A.I Leader in Financial Services underscores the crucial role leadership plays in ethical and impactful technology deployment. This award celebrates the vision of driving responsible innovation and setting a high standard for how A.I can and should operate within the financial sector.

At Periculum, we believe that A.I should not just automate existing processes but should fundamentally improve fairness and access. Our Founder’s dedication to this principle guides every feature we build and every market we enter.

The Future of Credit is Here

This double award victory is not an end point, but fuel for the journey ahead. As the A.I-Driven Credit Innovation Company of the Year, Periculum remains committed to pushing the boundaries of what is possible in financial technology.

We look forward to continuing our partnership with forward-thinking financial institutions globally to ensure that the future of credit is intelligent, inclusive and instant.

To learn more about how Insights can transform your credit decisioning process, visit our product page: https://www.periculum.io/products/insights 

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