Trusted by Financial Institutions Across the U.S.
Multiple Use Cases. One Technology.
The intelligence behind
every decision.
At Stratyfy, we provide the transparency financial institutions need to deploy AI that regulators and customers trust. Our patent-pending technology simplifies how you build, test, and scale predictive models and strategies across your organization. Want to learn more about all of the use cases we support? Reach out.
Credit Origination Decisions
Replace static scorecards with optimized strategies that approve more qualified borrowers, reduce manual reviews, and document every decision for regulators.
- Boost operational efficiency
- Approve 70% more applicants safely
- Reduce underwriting time by 75%
Credit Memo Automation
Stop losing hours to manual data entry and start closing deals faster. Stratyfy automates the labor-intensive process of credit memo creation, eliminating errors and freeing up your team to focus on what matters: your borrowers.
- Increase efficiency to win deals
- Instant calculation of key ratios and risk ratings
- One-click committee-ready memo generation
Lending Compliance
Proactively surface and eliminate bias in your lending models. Stratyfy provides the transparency needed to understand what drives disparities, enabling you to automate documentation and walk into any exam with zero surprises.
- Accurately detect disparate impact and treatment
- Automate the LDA searches to uncover less biased, high-performing models
- Improve Fair Lending reporting
Fraud Detection
Replace static fraud rules with adaptive machine learning that learns from emerging patterns, catching fraud earlier and reducing false positives that block legitimate borrowers.
- Increase detection accuracy by 51%
- Reduce false positives for real customer transactions
- Automatically adapt to new fraud trends
Early Delinquency Prediction
Identify accounts likely to miss payments 30–90 days before they do. Trigger the right intervention — a payment plan, a rate adjustment, or outreach — before charge-off becomes inevitable.
- Predict delinquency 30, 60, and 90 days out
- Trigger automated outreach at risk thresholds
- Segment by product, vintage, and risk tier
“AI meets IQ” — The power of machine learning and the expertise of humans.
See inside every decision
Stratyfy shows you exactly which factors drove every decision so you can explain, defend, and improve them.
Humans always in the loop
Your team reviews, adjusts, and approves decisions. AI accelerates the work, humans make the calls that matter.
Regulator-ready from day one
Every decision comes with a full audit trail. Walk into any exam with complete documentation and zero surprises.
Stratyfy Difference
⚫ Black Box
✓ Explainable
REAL RESULTS
Growth and risk aren’t at odds.
We prove it.
more qualified borrowers approved
“Stratyfy helped us adapt instantly to market changes and make smarter credit decisions. This is critical to growing our customer base and advancing our mission of increasing access to fairly priced capital.“
reduction in manual testing iterations to find the most fair and predictive credit model
“Stratyfy helps lenders confidently make meaningful changes, while managing risk and meeting regulatory requirements for safety and soundness.“
increase in accurately identified and prevented fraudulent transactions
“Beyond improved performance and operational efficiency, Stratyfy’s solution catches cases of missed fraud – saving our clients hundreds of thousands per quarter.“
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FRESH OFF THE PRESS
Check out the latest insights and updates from the Stratyfy team.
Discover what’s going at the intersection of data science and banking to see how we’re shaping the future of responsible AI.
