Our current solution is based on software developed by Professor Michele Modina, founder of 110 Laude, which has been subjected to continuous enrichments over time. The software is used, through a license agreement, by up to 500 Italian MSMEs and networks of credit brokers.
110Laude’s research interests mainly concern the management of the investment and financing techniques focused on the relationship between banks and firms, particularly for MSMEs. In the light of the introduction of new assessment model credit, 110 Laude integrates existing credit risk predictive models with multiple hard and soft information through the use of machine and deep learning techniques.