Press Release

Madrid, 11th Jan 2021

A flexible solution from GDS Modellica which makes it possible to adapt to different scenarios and processes to increase recoveries, direct collection actions, automate decisions and increase customer retention.
The Modellica Suite Originations Module provides business users with an optimised, easy-to-use environment with guaranteed reliability and agility.
As well as managing export credit insurance for the Spanish government, the Spanish Export Credit Agency (CESCE, in Spanish initials) leads a group of businesses offering comprehensive trade credit management solutions in parts of Europe and Latin America, and as part of its commitment to renew and modernise its innovative solutions, the company has chosen to incorporate the Modellica Suite Originations Module.
The Modellica Suite Originations Module from GDS Modellica is an agile, flexible solution with analytical functions for assessing customer proposals in batches and in real-time. This new system is capable of automating and managing the admission process for risk and policy proposals, according to the channel used. In the words of Pedro Regata, technical manager at CESCE’s Risk Unit, “the solution’s flexibility and reliability are what guarantee success. GDS Modellica’s ability to easily apply changes to our risk admission and tracking strategies, along with the simulation and quality control mechanisms, has been fundamental in allowing us to smoothly adapt to an extremely challenging situation in record time”.
Loan origination and management is a key process and companies like CESCE need to have the right strategies and analysis to be sure that they’re moving in the right direction. GDS Modellica offers a way of reinventing the intake process with market-leading technology and analytical solutions. Their solutions use data analysis to improve decision-making and execution, automate processes and increase customer lifetime value. The Modellica Originations Engine (MOE) makes it possible for users to adapt to different scenarios and processes, as well as implement different intake policies and rules and track credit risk, all with complete flexibility and ease of use.
Ultimately, this is an agile, flexible and effective tool which, according to GDS Modellica managing director, Antonio García Rouco, has enabled CESCE to process more than 20,000 inquires every day relating to the management of exposure, both as direct lenders and as a state agency. Furthermore, time to market has been optimised by adapting decision-making rules to the new circumstances caused by the pandemic. This is a single flexible solution for managing both existing exposure and the concession of new insurance policies, thus allowing organisations like CESCE to create, manage and improve strategies in a faster, more convenient and customised way whilst maintaining compliance within a very strict regulatory environment.

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Of all the sectors that have had to quickly adapt to the new requirements and restrictions because of the COVID-19 pandemic, the banking industry is one of the ones that stand out the most. In record time, it has had to transform into a completely remote service and use operational models that hadn’t previously been fully tested. If we take a glance back, it could almost seem miraculous how banks have managed to attend to customers, suppliers and employees, maintain high rates of productivity and calm the markets amongst the general chaos.

 

Aside from the usual empty statements, three words that have kept cropping up, again and again, are technology, agility and resilience. This is where the sector’s focus has been, and the certain success that this whole process has had cannot now give way to conformity or inaction. This has been just the first of many steps that will help to sustain and strengthen the banking sector, even if we start to move back towards normality with the aid of vaccinations and increasingly more accurate, fast, reliable and accessible tests.       

 

The economic consequences of the pandemic won’t disappear overnight, and if any sector is called upon to address them, it’s the banking sector. There are some sharp corners up ahead and numerous challenges to face,  even if, despite everything, some figures could be in fact better than during the financial collapse of 2008-2010. To address these questions, we have reviewed a detailed report from Deloitte, and as we often do at GDS Modellica, we’ve compiled some of the key figures in an infographic.

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Press Release
Madrid, 10th Dic 2020

Capital on Tap has invested in Modellica Originations, high-power decision engine software from GDS Modellica, to create a pioneering credit analysis system for SMEs and self-employed workers in the UK, Spain and the USA

Capital on Tap, a fintech dedicated to providing working capital financing to SMEs and self-employed workers, has chosen Modellica Originations, a high-power decision engine from GDS Modellica, to manage credit risk using the very best credit assessment technology.

The addition of Modellica Originations to its decision technology portfolio confirms Capital on Tap’s continuous investment strategy to develop its digital potential and satisfy customer expectations in the SME market. In an increasingly competitive market, it is essential to provide a satisfactory, agile and flexible service, and to reach such levels of excellence, the best tools are innovation and continuous improvement.

Assessing a request for finance is not a trivial matter, since it could mean the difference between a business being able to grow or not. Lenders around the world use their experience and software, such as Modellica Originations, to evaluate customer data, credit information and their own dashboards in order to make credit decisions. For a lender, the use of GDS Modellica software, which is capable of efficiently and reliably integrating multiple datasets, represents a great opportunity. Having access to internal and external data sources (including credit reference agencies) makes it possible to assess risk quickly and precisely and make better decisions. In turn, applicants for credit can be sure that decisions are fair and based on their own individual circumstances.
According to Rubén Vidal, Managing Director of Capital on Tap in Spain, “in choosing GDS Modellica software, the key factor was being able to have the best credit evaluation technology on the market in order to provide our customers with an excellent experience when they apply for our products. We want to support entrepreneurs and self-employed workers, for whom finance is another important tool for managing their businesses. As a result, managing credit shouldn’t take too much of their time. It’s essential to provide a fast response without the need for tedious bureaucracy”.
Meanwhile, Antonio García Rouco, Managing Director of GDS Modellica EMEA & LAC, added that “It is very positive to be working with Capital on Tap on a new shared project that will increase our visibility and our work. Our respective teams have forged an excellent working relationship, an association that will contribute great added value to both organisations”.

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“The business changes. The technology changes. The team changes. The team members change. The problem isn’t change, per se, because change is going to happen; the problem, rather, is the inability to cope with change when it comes”. The author of these words, the North American software engineer Kent Beck, may not be the most famous figure in scientific or general literature, but these words paint an accurate picture of the times that we are currently living through and the challenges that we need to face in order to survive the pandemic, and not just in terms of our health.

 

As new needs have arisen around the world, so too have changes to the traditional landscape when it comes to accessing financial resources. Fintech companies have stopped simply being a promising anecdote in the world of finance and have become an important if not fundamental support for the rules and regulations in the banking industry.

 

The World Economic Forum has recently highlighted on their website the current state of trend-setting regulations, naming enough countries as examples to show that we are facing something much more significant than a small evolution in the way of accessing financial resources. In fact, it is such a big change that, here at GDS Modellica, we have produced a brief infographic that illustrates exactly how the new touchless economy is redrawing the map of financial innovation.

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My message to companies that think they haven’t been attacked is: “You’re not looking hard enough”. This was the strong warning given years ago by James Snook, a man who has occupied numerous cybersecurity positions within the British establishment. It’s one of the maxims of cybersecurity, and the evidence almost always demonstrates it to be true: the human factor is the weakest link in any organisation, and this is precisely where we see security breaches, data leaks and the impact of cybercriminals.

A few days ago on this very page, we saw the importance of keeping up to date with cybersecurity in an industry as sensitive as digital banking, and today we return to the subject because of the particularly convulsive times we live in when it comes to cyberthreats. One of the consequences of the pandemic has been the accelerated digital transformation in all aspects of our lives, and the bad guys aren’t going to take a holiday; they have the chance to strike, and they will.

In fact, they already have. Today, GDS Modellica presents readers an infographic which looks at the main cybersecurity statistics since the start of the pandemic, based on data compiled by the renowned specialists Panda Security. It contains all sorts of figures, from percentages to sums passing through hijacked accounts. All of them are figures that force us to take a look at ourselves once more in such turbulent times: without investment in cybersecurity, we are completely exposed.

The coronavirus isn’t the only virus that could put our future in check, and we’ve taken the liberty of calling this a pwndemic, as a nod to gaming slang, pwn meaning to get the better of someone, in this case compromising the security of a system, hardware or an application.

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The digital transformation has ushered in a new era for the financial system. Big Data, automation and global interconnectivity have brought with them a profound change in the way that goods and services in all sectors are produced, marketed and distributed. The financial sector is no exception to this, and financial organisations are having to learn to adapt and incorporate new technologies as part of this transformation whilst ensuring that any innovations are safe and beneficial for society.
On the 4th November, the Spanish senate approved the law for the Digital Transformation of the Financial System, a law with two main objectives: firstly, to guarantee that financial authorities have the appropriate instruments at their disposal to continue performing their functions; and secondly, to use innovation to achieve equitable development in productive sectors through better access to finance.
This new legislation includes the creation of a regulatory sandbox, a safe testing environment designed to promote innovation in financial services, particularly for the fintech sector, which includes projects involving blockchain-based cryptocurrencies. The aim is to adapt compliance with strict financial regulations to the growth and pace of more innovative businesses in such a way that the fintech sector isn’t stifled by regulation but protections for consumer rights are still guaranteed.
Through this legislation, start-ups related to financial services, capital markets, insurance, payment methods, personal finances, loans, blockchain or cryptocurrencies like Bitcoin will have a space to develop their proposals for the digital transformation of the Spanish financial system. Furthermore, the law itself proposes a legal sandbox to cover the corresponding guarantees to retain talent, boost innovation and update regulations in order to turn the Spanish financial sector into the European leader in terms of technological development.
The sandbox will make it possible to carry out innovative technology projects in the financial sector within the legal and supervisory framework. This is a response to the recognition that boosting innovation is essential for balanced and sustainable economic development, but it also guarantees that technological changes will protect consumers and maintain the stability and integrity of markets by preventing money laundering and the funding of terrorism. In order to gain access to the financial sandbox, the law sets out the following requirements: the project must be innovative and applicable to the financial sector; the project must represent a significant advance; and the project must add value by facilitating regulatory compliance, improving the quality of financial products and services and increasing user protection by providing mechanisms that improve regulation or supervision.
The definitive approval of this law by the senate is a great step forward for financial innovation in Spain. The digital transformation has driven a structural technological change in society and businesses, and the distribution and marketing of goods and services requires this interconnectivity and these new tools whether we like it or not.
This law seeks to enhance the instruments needed to improve efficiency in the financial sector, the quality of services and in particular, security and protection against new risks. Ultimately, it’s a framework which aims to reinforce collaboration and coordination without changing the distribution and allocation of regulatory competencies in the institutional architecture of the financial system, and as such, represents a first step towards complete reform of the system.

Antonio García Rouco
Managing Director GDS Modellica EMEA

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Press Release

Madrid, 18th Nov 2020

With late payments predicted to reach 15% as a result of the pandemic, according to the Bank of Spain’s annual report, there is an urgent need for banking organisations to implement new collection management strategies.
The tools offered by GDS are a good investment for organisations seeking to manage credit risk and late payments in a comprehensive, customised and effective manner.
The term ‘collection management’ refers to the recovery of fees owed by customers due to their credit obligations. The Bank of Spain has warned that, in this current period of economic uncertainty, both in homes and businesses, the number of bad debts and non-payments could multiply. The outlook is not promising. The rate of late payments is currently around 7% and is predicted to rise to 15% by the end of the year (the worst rate since records began), much higher than the 4.8% seen in 2019. This is a devastating figure that could cause serious problems for the financial system, and banking organisations will have to do all they can to minimise the impact on their bottom line.
Collection management strategies are often complicated and ineffective due to inadequate use of communication channels, poor process optimisation and the lack of a comprehensive view of interactions with the customer. In fact, due to the inability to reduce late payments, for many businesses, they simply become accepted as another operating cost. To address this, GDS Modellica offers customisable tools and intelligent strategies that provide complete solutions and improve existing applications to comprehensively manage and reduce risk through behaviour pattern analysis. Their services make it possible for any organisation to optimise and automate their credit risk management strategies and policies.
Financial organisations can simply not afford to accept the late recovery or non-recovery of non-payments, and in the current economic situation caused by the pandemic, businesses are driving structural changes to address this. These include the incorporation of automation, prediction, advanced analytics and artificial intelligence into their management tools with the aim of increasing customer loyalty but also optimising collection management to predict and reduce risky behaviours. This way, banks can more effectively and precisely prevent late payments.
When awarding credit to customers and businesses, it is key for banking organisations to use predictive analytical strategies with personalised, up-to-date information. This way, they will be able to provide loans without compromising their viability and keep risk within controlled parameters that make it possible to establish early warnings and detect possible non-payment situations before they arise. In the words of the managing director of GDS Modellica, “it is important to put in place robust liquidity and lending mechanisms, as well as enhance credit risk management processes, review business continuity plans and manage processes in a comprehensive, joined-up manner”.
The banking industry needs to make a significant investment in incorporating AI technology, Machine Learning and other software in different areas in order to acquire valuable information that can later be used to improve customer service, business relations, after-sales services, the user experience and credit risk management in general. For example, the GDS MODELLICA Behavior Engine (MBE) evaluates the borrower’s credit situation based on previous behaviour and predictions made using all available information about that person or SME. The system then periodically identifies the total line of credit that will be extended to an account or borrower and enables the management of limits and lines for each product. It is also capable of accurately identifying the most valuable customers or those with the potential to become important customers.
Automating credit processes and operations is key since it allows organisations to analyse potential scenarios using accurate, real-time data and evaluate credit risk before awarding a loan. Such new collection management techniques are optimised, agile, fast and customisable and allow the process to be monitored more comprehensively. Investing in the right management strategies is the most effective way to reduce late payments, improve the recovery of non-payments and ultimately, reduce costs.

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Press Release

Madrid, 5th Nov 2020

The pandemic has forced many companies to switch to working at home, an option which isn’t free from risks and the threat of cyberattacks
GDS Modellica provides software to help manage risks, combat fraud and build profitable relationships. Investment in risk management is no trivial matter: assessing and monitoring market risks, automating tasks and combatting fraud are the best way to guarantee effective, optimised processes
Many companies have been forced to use remote working as a means of continued operation during the coronavirus pandemic, which has seen businesses close and people suddenly confined to their homes. Asking employees to work from home has been the chosen survival strategy to continue providing effective and optimal services to customers, but it is also an open window for fraudsters, with laptops and devices, most of them personal, becoming an easy target.
According to the IMF Business School, Spain has seen the fourth-largest increase in cyberattacks in the world during the pandemic. Because of the anonymity it provides, the internet is the ideal refuge for bold yet sophisticated cybercriminals who see a chance for financial gain at the expense of unprotected users. Neither public nor private companies have been safe, and public authorities, the health service and financial services have been the biggest targets.
Cybercriminals have taken advantage of the vulnerability of many personal devices to infect them, obtain information or steal or manipulate their data. And this is far from over; as companies continue to use remote working during the ‘new normality’, without implementing cybersecurity measures, this cybercrime has continued to flourish.
All of this means that companies need to protect themselves, investing and developing not just in their digital transformation but in areas such as security and risk management. And the best way to do this is with the help of specific companies like GDS Modellica, who can help ensure guaranteed risk management and compliance without increasing the load on operations. According to Antonio García Rouco, director at GDS Modellica, banks lose billions every year as a result of fraudsters using stolen personal data to create new accounts and commit fraud. Despite the number of guarantees in force, banks are more exposed to fraud than ever, partly due to the growing number of channels that customers use to access their financial data, such as online banking and mobile apps. In the battle against fraud, financial institutions need to have better tools that are properly integrated across their whole business to successfully beat scammers.
For financial organisations, it can be an arduous, thankless and complicated task to solve the problem when an account is opened using fraudulent or falsified information. But this isn’t the case with GDS Modellica’s MODELLICA Fraud Engine solution. As García Rouco explains, “When customers access their accounts online, it’s difficult to identify and verify them across the different channels and devices. MODELLICA Fraud Engine is a solution based on the best current practices, integrating different systems to identify and validate multiple “online” and “offline” identifiers for individuals. Fraud Engine can provide companies with a single view of a person’s identity to help acquire new customers, detect fraud, improve security and build trust as part on their digital transformation journey”.

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Press Release

Madrid, 5th Nov 2020

Technology and innovation are critical for detecting fraud and keeping one step ahead of fraudsters. This is the only way that financial organisations can manage risk effectively.
GDS Modellica takes a look at the main types of online fraud and describes their intelligent solutions that combat fraud using algorithms based on decision-making technologies and machine learning.
Fraud is evolving at the same pace as technology, so innovation is key for keeping ahead of fraudsters. Risk management is currently undergoing a transformation as a result of the changing model for approving credit, with a strong trend towards a more personalised, digital, multi-channel service. However, data theft and filtering make it easier for cybercriminals to access to personal information and subsequently steal real identities or create virtual ones. These days, reduced personal interaction allows scammers to hide behind stolen or fake identities, making it easier to open accounts and access money, assets and services that they have no intention of paying for. As a result, fraudulent credit applications using fake or stolen identities has led to a significant rise in non-payments for banking organisations.
Anyone can fall victim to hackers or fraudsters, so understanding how online fraud works is the first step towards ensuring a positive experience when browsing the web or carrying out online transactions. GDS Modellica, a software company specialising in credit risk management, provides intelligent solutions to combat fraud using algorithms based on the latest decision-making technology and machine learning, which, combined with multiple sources of data such as digital verification, social networking footprints, the deep web or credit information, allow organisations to quickly detect fraudulent activities and prevent a significant proportion of fraud.
Some of the main types of online fraud highlighted by GDS Modellica include:
  • Phishing – one of the most common scams. Customers are sent an e-mail claiming to be from their bank asking them for passwords or personal data.
  • Vishing – involves impersonating the identity of a legitimate customer using VoIP, (Voice over IP). Fraudsters recreate an automated voice similar to the answer machines used by banks to make or respond to calls. The customer receives a call to confirm a credit card purchase that they actually haven’t made.
  • Smishing – the customer receives a text or WhatsApp message informing them of a suspicious credit card purchase.
  • Pharming – similar to phishing, except using websites. Legitimate customer traffic to a website is redirected towards fake websites that look real. There are two different types of attack: an attack on users or individuals and an attack on organisations. In the first type, hackers install a virus or some malware on the victim’s device. Then, when they navigate to a particular site (like their bank or an online shop) the virus redirects them to a fake website that looks exactly the same. In the second type of attack, hackers infect the company’s server so that all users are automatically redirected to the fake site. This fraud represents a much greater risk because, if the hackers do it convincingly, it’s almost impossible for customers to tell the fake site from the real one.
  • Sim Swapping – this consists of duplicating SIM cards. Every year, around 300,000 mobile phones are stolen, roughly 30 phones every hour. However, it’s not the mobile phone that the thief wants but the SIM card to pass on to hackers.
  • Scam Attacks – these are known as common scams. An e-mail is sent with the aim of tricking the recipient. The most common scams offer some sort of a financial gain in exchange for making a deposit to a current account. These scams aren’t new, but sadly, scammers still find people are easily taken in by it.
GDS Modellica managing director, Antonio García Rouco, says, “we have the technology and knowledge to support the decision-making processes for all of a financial organisation’s products and services, providing a stand-out omnichannel experience for the end customer. These include decisions such as approving a card application in minutes using an online process, assessing a loan application, or consolidating debts via smartphone, tablet, computer, etc. These processes are carried out using technology, algorithms and better practices so that financial organisations can more easily implement the required intelligence according to their business objectives.” New technologies and artificial intelligence generate benefits and opportunities to optimise business processes whilst improving cybersecurity and fraud prevention, thereby providing customers with increasingly personalised products and services according to their needs.

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Also known as “Papa Flash and “the man who stopped time”, Harold Edgerton was a talented engineer and researcher at the Massachusetts Institute of Technology (MIT) who transformed the stroboscope into a device to take ultrafast photographs of moving objects. Now, we’re not mentioning him today because we intend to stop time (although we might if we could), but because he’s also famous for saying, “the trick to education is to teach people in such a way that they don’t realise they’re learning until it’s too late”.
But why are we talking about education today? Well, it might turn out to be key for both the banking sector and customers. A recent survey by the research company Simple Usability has revealed the almost complete lack of understanding amongst the general public about what open banking actually is. The research, carried out in the United Kingdom but with implications for other countries, casts light on the long road ahead for financial organisations who want to take advantage of the benefits of Open Banking, especially given the risks if customers aren’t able to see the benefits for themselves.

Although its quite a recent concept, open banking has many potential benefits for customers. In fact, unprecedented crises like the COVID-19 pandemic can even enhance the benefits for customers, as we have looked at in previous posts, such as here, here or here. The data and information that open banking provides can be used to better understand a customer’s financial position for loan applications or credit assessments or even for identifying people in trouble who need support.

Given all this, the survey’s authors report that “staggeringly” only 20% of those surveyed said they understood the meaning of “open banking”; and not only that but, of that small percentage, almost one third were unable to provide a correct description. After having the concept explained to them, despite the fact that some respondents “identified the potential benefits of Open Banking including having easy access to their accounts in one place, and being able to keep a better eye on their financial situation”, they also showed great concern with regards to data sharing.
The concept of “sharing” inevitably goes hand in hand with two words that immediately set off the alarm bells in the minds of consumers: fraud and trust. In fact, it’s such an issue that one person surveyed said, “It’s too dangerous as data from all my banks is too easily retrievable by a hacker. Instead of hitting one bank, a hacker can hit the servers of an open banking app and steal everything about a customer in only one hit”.
This suggests that there still isn’t enough awareness about potential new technologies whilst there is perhaps excessive concern about the real threats we face in our day-to-day lives. Consumers are willing to trust essential background services, expecting them to be convenient and secure, but are unable to trust banking applications in the same way.
This is something that the researchers feel is partly of the sector’s own creation as a result of “the fear” that banks have instilled around the security and data sharing. They say, therefore, “it is now the responsibility of banks to firstly better integrate Open Banking into current online journeys, but also to educate us on why we should be using open banking and how it will be safe”.
“The lack of Open Banking understanding and our lack of trust of it are telling, with only 20% understanding it well. Does that mean banks haven’t put enough emphasis on the benefits to their customers? There’s certainly an opportunity here to spread the word and further support customers with their financial planning and management”, according to senior digital marketing consult Debbie Rhodes.
However, more than seeing this as an insurmountable obstacle, the sector should be able to see this snapshot of open banking as an opportunity for growth, through education and raising consumer awareness. The pandemic and the various confinement measures have created financial turbulence and uncertainty for the entire world and led to changes in behaviour (and in fact, these changes in behaviour are the central theme of Simple Usability’s report).
Whilst trust in online processes might be difficult to achieve, customer “engagement” is higher than ever. For the majority of people, online experiences don’t necessarily replace personal contact when managing their finances, but faced with the likelihood of continued restrictions in the near future, banks that are able to quickly deliver positive digital experiences or emulate that physical contact will have a clear advantage over their competitors.
Being able to generate this level of trust with customers and transmit a sense of security will be key for any business at a time of such instability. Banks don’t just need IT engineers. Now, more than ever, they need staff with expertise in soft skills so that customers are more receptive to the changes in banking without too much suspicion and distrust. The time is now, and a big education drive will be needed to make open banking a success.

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