Revolutionizing Credit Ratings with AI
AI.Rating assigns credit ratings to companies worldwide using our advanced Machine Learning model. Leveraging Artificial Intelligence, we achieve high accuracy in predicting corporate defaults.
Accessible and Economical
Our automated process accelerates rating assignments, making them economically efficient. Over 39,000 public non-financial companies from 128 countries have received AI.Rating credit ratings. Any user can assign a rating to any company for no more than one New Zealand dollar, transforming credit ratings into a mass product accessible to everyone.
Powered by Cutting-Edge Technology
The AI.Rating model is built on XGBoost technology, renowned for its predictive accuracy in credit analysis (paper1, paper2). It has proven its effectiveness in competitions like Kaggle (details).
The Advantage of Big Data
Like large language models such as ChatGPT, our model benefits from training on extensive datasets, enhancing its ability to assess credit quality. Models trained on Big Data offer better generalization, detect complex dependencies, and reduce biases like the impact of economic cycles on ratings.
Eliminating Conflicts of Interest
Since AI.Rating does not receive payments from rated companies, we eliminate the conflict of interest present in traditional sell-side rating agencies—a factor contributing to the Global Financial Crisis of 2008. Our computer model also removes the "human factor"—bias, subjectivity, and inconsistency—from the rating process.
Learn More
A detailed scientific description of our technology can be found in the doctoral dissertation The Need for Disruption in the Credit Ratings Landscape: A Model for Machine Learning Computed Credit Ratings and in the About and Support🤖 sections of this website.