Analyse, Score, Win

Since November 2021, Toyota Financial Services has partnered with Wings to implement an automated scoring system. Wings was chosen for its expertise and ability to meet all project requirements.

Using the Wings decision-making platform, a tailored risk strategy was configured, combining Wings’s insights with Toyota Financial Services’ risk assessment approach. The system was seamlessly integrated with external data services and front-end platform, enhancing credit process automation.

Wings demonstrated professionalism, customer focus, and technical excellence, ensuring the successful delivery of a complex project. We highly recommend them as a reliable and innovative partner.

Headquartered in Switzerland, ZoodPay operates across the fast-growing e-commerce markets of the Middle East and Central Asia, including Uzbekistan, Kazakhstan, Iraq, Jordan, Kuwait, Lebanon, and Saudi Arabia, delivering “Swiss Quality” service to merchants and shoppers.

We use the Wings scoring platform for ZoodPay’s ‘Buy Now, Pay Later’ products as a core risk management tool across all our markets. The platform enables seamless entry into new regions and centralised credit risk management.

Wings offers a user-friendly interface and a flexible IT architecture, ensuring fast integration with external data sources and quick adaptation to evolving risk strategies.

The Wings team brings extensive risk management expertise, providing valuable consultation on the challenges we face across different markets.

Space is Georgia’s first fully cloud-based daily banking platform, launched in just eight months by TBC Bank, the country’s largest banking group and a key player in the Georgian retail banking market, with shares listed on the London Stock Exchange.

As a lean and agile fintech, we sought partners with similar qualities, and Wings proved to be an ideal match.

Wings implemented its decision-making scoring system for us and integrated it seamlessly with our Corezoid platform. We use Wings as our cloud-based platform for the loan underwriting process. The system is fast, reliable, and user-friendly, offering exceptional flexibility and functionality to manage underwriting across various products and markets.

We greatly value the exceptional quality and professionalism of the Wings team.

In 2019, Wings provided its decision-making scoring system for our TBC UZ project, supporting the launch of a new bank.

Their team managed the system integration and continues to refine the decision-making logic in Wings. The platform offers easy customisation of risk strategies and effectively tracks all changes.

Wings has proven to be a highly skilled and dependable company.

In 2020–2021, Wings delivered and implemented the Wings decision-making system at Anorbank for retail lending products. The project involved developing a risk strategy and implementing the Wings decision-making system.

Initially, Wings conducted intensive training sessions, enabling our employees to actively participate in the implementation process from the very start of the project.

The system operates reliably and allows for immediate loan decisions by processing large volumes of data. Thanks to the system’s flexibility, our risk department employees can quickly adjust decision-making logic without requiring assistance from the supplier.
Wings is highly responsive to the bank’s inquiries and provides excellent technical support.

We confidently recommend Wings as a reliable and trustworthy supplier of decision-making systems.

We are highly satisfied with the quality of the services provided by Wings.

Thanks to the innovative software Wings, we have eliminated the human factor from the credit underwriting process. As a result, the time required to serve the bank’s clients has been significantly reduced, the effectiveness of fraud prevention has increased, and credit risk losses have decreased.

Wings is integrated with the government databases and  services, instantly providing access to clients’ credit histories, current obligations, and other available information. This allows clients to present only one document without wasting time collecting income statements and other paperwork.