Futureproof Credit Risk Decisioning: How AI, Alternative Data and Graph Databases are Changing the Game

Presentation by Jacobus Eksteen, CEO of Matogen Applied Insights as part of Altair's Future.Industry 2025 conference.

As financial institutions strive to remain competitive in an ever-evolving digital landscape, credit risk decisioning stands at the forefront of transformation. Traditional creditworthiness assessment methods are rapidly evolving to include AI-driven approaches that leverage novel data sources and cutting-edge technologies. This session explores how financial services providers can futureproof credit risk decisioning by incorporating alternative data sets into robust analytical frameworks. These sets range from open banking and prepaid transactions to psychometric assessments and even gaming and mobile usage data.

Attendees will learn how these non-traditional data points can deliver deeper insights into borrower behavior, helping institutions extend credit responsibly and inclusively to previously under- or un-scored populations. We will also examine how emerging technologies, such as graph databases, revolutionize data management and facilitate real-time decision-making by illuminating complex relationships hidden in large-scale, multi-dimensional data. From compliance considerations to implementation strategies, this presentation will provide a holistic view on how to harness advanced analytics, AI models, and alternative data to drive business growth and mitigate risk in the dynamic world of credit