YEAZ! (Svea Credit B.V.), Netherlands is a working capital lender within the Svea group, a pan-European, entrepreneur-focused banking group with 40+ years in corporate finance and SME services. Since its establishment, YEAZ! has helped over 3,000 entrepreneurs with immediate financing.
76%
reduction in decision-making time
2x
speed for model building, validation & deployment
100%
scoring automation
Challenge
Scaling credit decisioning under operational constraints
As a growing lender, Yeaz! faced operational constraints: our client was limited in how fast they could build and maintain their credit scoring models. Time required for model development, including validation and deployment, ranged from 2 weeks to 3 months, making it difficult to respond to changing market conditions.
The priority was to implement an AI-driven solution that could automate end-to-end credit scoring, reduce turnaround times, and enable next-day loan issuance after application submission. At the same time, the absence of automated scoring processes increased manual effort and slowed down decision-making.
During deployment, the team also encountered frequent concept and data drift, which affected model stability and required continuous adjustments.
The GiniMachine team grabbed our attention from the very first demo call. They showed us a product able to transform our business decision making. That's exactly what happened, and we are happy with what we got.
Approach
Automating credit scoring
with AI-driven decisioning
GiniMachine enabled Yeaz! to fully automate its credit scoring process using AI and machine learning.
Now, with a single action, the team can conduct a comprehensive risk assessment, including an applicant's likelihood to repay, supported by proven Gini-based model performance metrics and detailed validation reports.
Result
Scaled lending with faster decisioning
We helped YEAZ! increase the number of approved loans while not going beyond the cut-off value and thus expanded its customer base throughout Europe. This became feasible due to fast model building, validation, and deployment in GiniMachine. With a fully automated AI-based scoring process, the client started attracting more commercial customers and reduced decision-making time from about 8 to 2 hours. With this improvement, YEAZ! became able to outperform competitors by offering fast and effective services.
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