IBM Accelerator Catalog
IBM Accelerator Catalog

Loan Default

Mitigate loan defaults by anticipating at-risk accounts early on.

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Key Challenges

What is an accelerator?
Industry Accelerators are a packaged set of technical assets used to help you tackle your next data science project by addressing your most pressing business challenges. With sample data, notebooks, scripts, a sample application and more, you can kickstart your own implementation and leverage the power of Cloud Pak for Data.

  • Traditionally, banks look at payment history, credit score and overall assets and liabilities to predict likelihood of repayment
  • Depending on the scale of federal assistance programs, defaults are likely to be higher than during the 2007-2008 global financial crisis
  • Today, there is a high likelihood of bias or discrimination within the lending space

Get personal with your banking and insurance clientele

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Expected Business Outcome

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Expedite on-ramp

Leverage existing data to mitigate loss

Build trust

Get your loan default prediction models up and running faster

Using transactional and savings data may help increase prediction accuracy and mitigate loss due to loan default

Actively detect bias within models can help ensure fairness in default predictions

Reskill or upskill to simplify your decisions from predictions to mitigate loss from loan default.



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Key Features

Key Features

Information architecture

End-to-end AI Ladder application

Modular framework

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An architecture enabling you to extract meaning from your data to identify potential credit risks in your loan portfolio

From cataloging data through a glossary of terms to model development and deployment, simplify the lifecycle of your AI project

Composable and extensible pattern that can be applied to new data and industries

Get Started

Start experimenting today. Request a test run to get started.

Kick-start your data science solution with this accelerator.

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Highlighted Products for this Accelerator

IBM Cloud Pak for Data

Built on Red Hat OpenShift Container Platform, IBM Cloud Pak for Data accelerates your journey to AI to transform how your business operates with an open, extensible data and AI platform that runs on any cloud.

ViewLearn More

Watson Knowledge Catalog

Help your data users quickly find, curate, categorize and share data, analytical models and their relationships with other members of your organization.

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Watson Studio

Empower your data science and AI teams to refine data and visually build and deploy models, using data on the desktop for anytime, anywhere access.

ViewLearn More

IBM Db2 on Cloud

A fully managed cloud database with AI capabilities that keep your business running 24x7..

ViewLearn More

AutoAI

An award-winning development capability to automate Data preparation and Model development, and help simplify AI lifecycle management cycle.

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Cognos Analytics on Cloud Pak for Data

An AI-infused business intelligence solution that accelerates data prep, analysis, and reporting for smarter business.

ViewLearn More

Related Accelerators

Customer Attrition Prediction

Why are your customers leaving? Use the Customer Attrition Prediction accelerator to jump-start your analysis.

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Customer Offer Affinity

Identify the right financial products and investment opportunities for new and existing clients.

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Cognitive Control

Quickly jump start the analysis and end-to-end cognitive solution for your existing risk controls.

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Credit Card Default

Identify at-risk credit card holders and reach out proactively with account-saving promotions.

ViewLearn More

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Additional details

  • Accelerator typeCloud Pak for Data industry
  • IndustryFinancial Services
  • Business functionAny
  • Product and version Cloud Pak for Data,Watson Knowledge Catalog,Watson Studio,Cognos Analytics - Current
  • Author typeIBM
  • Company nameIBM Data Science and AI Elite Team
  • Author nameData Science and AI Elite Team
  • Last modifiedSeptember 24th, 2020
  • Language English