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Professor Altman chooses modefinance to launch the first Fintech rating for european SMEs
15/07/2019
Professor Altman chooses modefinance as the Fintech Rating Agency to launch the first Fintech rating for european SMEs

» Read more
modefinance Corporate Credit Rating for Barilla
26/06/2019
modefinance has released the Corporate Credit Rating (Unsolicited) for Barilla: A3+ (Upgrade)

» Read more
Artificial Intelligence in Finance: IoT for credit risk prevention
20/06/2019
Industry 4.0. technologies are a valuable source of information for risk management and prevention.

» Read more
modefinance Corporate Credit Rating for Prada
12/06/2019
modefinance has released the Corporate Credit Rating (Unsolicited) for Prada: A3 (Affirm)

» Read more
Debt-capacity automation: the Forecasting-StressTest model for risk prevention
5/06/2019
Budget simulation up to 5 years on 3 different growth scenarios, stress test of key variables, estimation of the credit score and probability of default.

» Read more
modefinance Corporate Credit Rating for FinecoBank
3/06/2019
modefinance has released the Corporate Credit Rating (Unsolicited) for FinecoBank: A2- (Affirm)

» Read more
Who watches the watchmen? Rating Agencies’ regulation and supervisors.
22/05/2019
Rating Agencies were responsible for the outbreak of the financial crisis in 2008. Who supervises Rating Agencies today?

» Read more
API REST approach in oplon Risk Platform
9/05/2019
modefinance proves web APIs of oplon Risk Platform and allows the implementation of external functionality within the platform.

» Read more
modefinance Corporate Credit Rating for Fineco Bank
2/05/2019
modefinance has released the Corporate Credit Rating (Unsolicited) for Fineco Bank: A2- (First Issuance)

» Read more
How to evaluate banks: easy methods and advanced tools
26/04/2019
From the analysis of the CET1 ratio to oplon Risk Platform: how to easily evaluate a bank and advanced credit risk analysis tools for financial institutions and investors

» Read more
A for assessment: what's a credit rating and why you should ask for it
11/04/2019
From access to alternative financing resources to the accreditation on the stock market; ratings are reliability assessments that can bring several benefits to companies and institutions.

» Read more
RegTech workshop: a bright Fintech friday
9/04/2019
"Reg-Tech workshop - Big Data Analytics" is the coding session part of the EU Project “Fin-Tech HO2020” set up to explore the opportunities offered by AI applied to credit risk management.

» Read more
Alternative Data: the way to give value to your data
26/03/2019
Alternative Data identify in advance investment opportunities and critical factors. How to include them in a credit risk assessment model with oplon Risk Platform

» Read more
Mini-bonds for SMEs: how to improve the placement on the market
6/03/2019
How to issue mini-bonds and how to improve the placement on the market. The information you need to finance your company with mini-bonds

» Read more
Credit rating and credit score: how do they differ?
24/01/2019
"Rating" is often used as a synonym for credit score, but they are two different assessment methodologies. How do they differ?

» Read more
Augmented Analytics: what it does really mean?
6/12/2018
Augmented Analytics is the technology of the future. That’s why we apply it in developing algorithms and analysis models. But what does it really means?

» Read more
modefinance Corporate Credit Rating for PRADA SPA: A3 (Affirm)
19/11/2018
modefinance Corporate Credit Rating for PRADA SPA: A3 (Affirm)

» Read more
Central Credit Register and oplon Risk Platform: the tools to evaluate companies’ creditworthiness
9/11/2018
How credits reports issued by the Central Credit Register of the Bank of Italy affect on companies' rating.

» Read more
Applying Game Theory to a financial risk analysis
2/11/2018
How can you apply Game Theory to finance? And how this can be in a Rating analysis?

» Read more
How BigData can be useful for risk analysis
26/10/2018
And how to apply data analytics to financial evaluations

» Read more
modefinance Corporate Credit Rating for GIORGIO ARMANI SPA: A3+ (Affirm)
25/10/2018
modefinance Corporate Credit Rating for GIORGIO ARMANI SPA: A3+ (Affirm)

» Read more
New partnership between A for Value and modefinance
18/10/2018
New international partnership between A for Value and modefinance, promoting risk mitigation applying Fintech

» Read more
modefinance Corporate Credit Rating for BARILLA INIZIATIVE SPA (First Issuance)
16/10/2018
modefinance Corporate Credit Rating for BARILLA INIZIATIVE SPA (First Issuance)

» Read more
Protecting from exposure risk. How to
27/09/2018
How to manage exposures in oplon Risk Platform

» Read more
The first rule of FIN-TECH is to make the rules of Fintech
17/09/2018
modefinance between the lead partners of the winning project

» Read more
Sensitivity analysis: how to evaluate the company’s financial resilience
4/09/2018
Sensitivity analysisi in oplon Risk Platform

» Read more
Statistic and data science: modefinance at the S&DS 2018
27/08/2018
Data science conference

» Read more
Another goal achieved
2/08/2018
Official modefinance Mapping

» Read more
modefinance at the Reply Xchange 2018
11/07/2018
modefinance @ Reply

» Read more
oplon, data science for risk management
21/06/2018
Your own rating agency

» Read more
modefinance Corporate Credit Rating for BARILLA HOLDING SPA (withdraw)
17/05/2018
modefinance Corporate Credit Rating for BARILLA HOLDING SPA (withdraw)

» Read more
modefinance Corporate Credit Rating for Prada SPA: A3 (Affirm)
7/05/2018
modefinance Corporate Credit Rating for Prada SPA: A3 (Affirm)

» Read more
Fintech Customer evaluation
14/03/2018
BigData Artificial Intelligence for Customer evaluation

» Read more
modefinance's audition at the Finance Commission of the Italian Parliament
2/11/2017
Finance Commission Fintech

» Read more
s-peek Team, the first collaborative Credit Risk Management platform
28/09/2017
s-peek Team becomes collaborative

» Read more
modefinance Corporate Credit Rating for BARILLA HOLDING SPA : A3- (Affirm)
28/07/2017
modefinance Corporate Credit Rating for BARILLA HOLDING SPA : A3- (Affirm)

» Read more
Evolving modefinance brand identity
23/06/2017
“New logo“

» Read more
Customized Credit Risk Management: Fintech, analytics and big data
28/03/2017
“Analytics and bigdata in Credit Risk Management“

» Read more
modeFinance Corporate Credit Rating for Giorgio Armani SPA : A3+ (First Issuance)
1/03/2017
modeFinance publish Giorgio Armani Rating

» Read more
modeFinance on stage at the Finovate European conference
9/02/2017
modeFinance @ Finovate

» Read more
The news s-peek 3.0 in the market!
22/11/2016
New s-peek

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Rating: modeFinance the first italian agency to rate banks
4/10/2016
modeFinance Ratings for Bank

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The importance of credit rating: the case of Hanjin Shipping
8/09/2016
Hanjin Shipping Bankruptcy

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modeFinance Corporate Credit Rating for BARILLA HOLDING SPA: A3- (Upgrade)
5/08/2016
modeFinance Corporate Credit Rating for BARILLA HOLDING SPA: A3- (Upgrade)

» Read more
The MORE Rating validation of 134,828,155 Credit ratings
29/07/2016
modeFinance MORE Validation

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modeFinance Corporate Credit Rating for PRADA SPA : A3+ (First Issuance)
5/07/2016

» Read more
The human side of the Fintech
20/06/2016
Human Fintech

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Global Credit Rating: 200 million evaluations
11/05/2016
The approach a Fintech Credit Rating Agency

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modeFinance Corporate Credit Rating for BARILLA HOLDING SPA : B1+ (First Issuance)
17/03/2016
modeFinance Corporate Credit Rating for BARILLA HOLDING SPA : B1+ (First Issuance)

» Read more
modeFinance winner at Horizon2020 Sme Instrument!
17/02/2016
“Horizon2020 Sme Instrument“

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Fuzzy approach for Credit Rating
1/02/2016
“How to use fuzzies in Credit Rating“

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How to evaluate bank creditworthiness
23/12/2015
The ratios for understanding bank rating

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Game Theory Approach for Credit Risk Analysis
7/12/2015
“Game Theory for solving Credit Rating Problem“

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ESMA approves modeFinance as a Credit Rating Agency
10/07/2015
modeFinance announces that ESMA has approved today its application for registration under Article 16 of the European CRA Regulation.

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To patent or not to patent? That is the question!
19/05/2015
One of the topics of greatest interest in recent years in the field of scientific research and technology transfer to companies is their run to patent products and processes

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The lack of data: a problem to be solved to help the credit manager
27/04/2015
A major problem in the analysis of credit risk and of the work that each day has to be done by the credit manager is to address the lack of financial data in many countries of the world

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How to check if a rating model is valid [Part 2]
3/04/2015
Today we continue the study of the methods that should be used to understand if a rating model is appropriate or not.

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How to check if a rating model is valid [Part 1]
27/02/2015
One of the key elements in the development of a methodology for rating or credit scoring is understand the accuracy of the results: only an accurate model can be put into production!

» Read more
Unfortunately the analysis of only the company data is not sufficient!!
4/02/2015
One of the most important elements when you work as a Credit Manager in the analysis of credit risk is to better understand how the evaluation of companies you can compare from one Country to another or from one commercial sector to another

» Read more
Financial Ratio Analysis for Dummies :) [Part 2]
15/05/2014
In the previous blog post, we shared a table with you that could be useful to have the basic knowledge for the evaluation of the credit risk of a company

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Financial Ratio Analysis for Dummies :) [Part 1]
24/04/2014
Following our the most-read “Fast and furious Credit Risk Check” post

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Payment Behaviors or rather Payment Delays in Italy
28/03/2014
Payment behaviors are seriously important signs for detecting financial and economic health of a company

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If the National Social Security were a private company... The INPS SRL case
14/03/2014
In early February, one of the most reputable Italian newspapers, La Repubblica, published on its website a shocking investigation on the famous Italian pension fund

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And the Winner is ...
27/02/2014
Every credit manager knows that in spite of great tools such as Webex, sometimes you have to take the plane to meet your clients, colleagues and managers.

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Big Data and Machine Learning in the Credit Risk Analysis
21/02/2014
How to use big data and machine learning models in the Credit Risk Analysis.

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AGILE Method for Credit Risk Assessment? Yes!
31/01/2014
In recent years in modeFinance we have been using the Agile method for our IT related projects (website, s- peek application, etc.)

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Country rating and corporate rating
14/12/2013
The financial crisis has brought with it not only the collapse of the banking and economic system, but also that of sovereign governments.

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Understanding Corporate Group Rating
27/11/2013
When we do the analysis of the group, the questions we ask are different, for example: is the group profitable ?

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But where's credit risk world for the industrial enterprises going? Our experience at European level
12/11/2013
In this last month, I and Mattia have been many times contacted by big European companies to see how to improve their credit risk models...

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Comparisons of the costs in Europe: an approach from the companies’ analyses [Part 2]
1/11/2013
As we saw in the first part of this post we understood that the cost of labor in Europe is fairly similar (only Spain shows much lower values), while the profitability of the companies was lower in Italy than companies in France and Germany.

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Comparisons of the costs in Europe: an approach from the companies’ analyses [Part 1]
23/10/2013
Lately in Italy it is so often talked about the cost of labor and how it adversely affects the economic and financial performance of the companies.

» Read more
“Fast and furious” credit risk analysis : To check a company in 60 seconds
15/10/2013
Unfortunately, many times you do not have much time to understand the credit risk of a company and in any case you have to give an answer that is as accurate as possible.

» Read more
Solvency analysis of a company
3/10/2013
I am back once again on how to analyze the creditworthiness of a company.

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The adventurous life of a modern credit risk manager
24/09/2013
Last week, I was invited by Bureau van Dijk in London for a presentation at a conference with the theme of modern credit risk management at international level.

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Fundamental analysis of the smartphone giants
17/09/2013
It is well known fact by now that, month after month, Android has been realizing an important market share achievement in the mobile industry

» Read more
Liquidity analysis of a company [Part 2]
10/09/2013
In the first part (Part 1) we discovered how to calculate the two following indexes Current ratio and Quick ratio and how to interpret them.

» Read more
Companies go abroad, but why ? An in-depth analysis of financial leverage
5/09/2013
Last week I read an interesting article about a company which has moved all its production to Poland overnight.

» Read more
Liquidity analysis of a company [Part 1]
3/09/2013
By financial analysis of a company, it is meant the analysis of the economic & financial behaviors of a company through the study of financial statements.

» Read more
Is the #bigdata useful for credit risk analysis?
26/08/2013
In last few months, there has been an increasing discussion about Big Data and how people can exploit it efficiently to improve their own models.

» Read more
Welcome To The Club Croatia!
26/07/2013
As of July 1 2013, Croatia is fully and happily European Union member as the 28th member state.

» Read more
How Does Turkish Automotive Industry Perform?
15/07/2013
Turkey has been considered one of the most prominent countries among emerging markets, known as MIST (Mexico, Indonesia, South Korea, and, of course Turkey).

» Read more
Si comincia
9/07/2013
The current fragile economic situation of Italy, and moreover of European economy in general, is binding with the international situation

» Read more

Professor Altman chooses modefinance to launch the first Fintech rating for european SMEs

Professor Altman chooses modefinance as the Fintech Rating Agency to launch the first Fintech rating for european SMEs

modefinance Corporate Credit Rating for Barilla

modefinance has released the Corporate Credit Rating (Unsolicited) for Barilla: A3+ (Upgrade)

Artificial Intelligence in Finance: IoT for credit risk prevention

Industry 4.0. technologies are a valuable source of information for risk management and prevention.

modefinance Corporate Credit Rating for Prada

modefinance has released the Corporate Credit Rating (Unsolicited) for Prada: A3 (Affirm)

Debt-capacity automation: the Forecasting-StressTest model for risk prevention

Budget simulation up to 5 years on 3 different growth scenarios, stress test of key variables, estimation of the credit score and probability of default.

modefinance Corporate Credit Rating for FinecoBank

modefinance has released the Corporate Credit Rating (Unsolicited) for FinecoBank: A2- (Affirm)

Who watches the watchmen? Rating Agencies’ regulation and supervisors.

Rating Agencies were responsible for the outbreak of the financial crisis in 2008. Who supervises Rating Agencies today?

API REST approach in oplon Risk Platform

modefinance proves web APIs of oplon Risk Platform and allows the implementation of external functionality within the platform.

modefinance Corporate Credit Rating for Fineco Bank

modefinance has released the Corporate Credit Rating (Unsolicited) for Fineco Bank: A2- (First Issuance)

How to evaluate banks: easy methods and advanced tools

From the analysis of the CET1 ratio to oplon Risk Platform: how to easily evaluate a bank and advanced credit risk analysis tools for financial institutions and investors

A for assessment: what's a credit rating and why you should ask for it

From access to alternative financing resources to the accreditation on the stock market; ratings are reliability assessments that can bring several benefits to companies and institutions.

RegTech workshop: a bright Fintech friday

"Reg-Tech workshop - Big Data Analytics" is the coding session part of the EU Project “Fin-Tech HO2020” set up to explore the opportunities offered by AI applied to credit risk management.

Alternative Data: the way to give value to your data

Alternative Data identify in advance investment opportunities and critical factors. How to include them in a credit risk assessment model with oplon Risk Platform

Mini-bonds for SMEs: how to improve the placement on the market

How to issue mini-bonds and how to improve the placement on the market. The information you need to finance your company with mini-bonds

Credit rating and credit score: how do they differ?

"Rating" is often used as a synonym for credit score, but they are two different assessment methodologies. How do they differ?

Augmented Analytics: what it does really mean?

Augmented Analytics is the technology of the future. That’s why we apply it in developing algorithms and analysis models. But what does it really means?

modefinance Corporate Credit Rating for PRADA SPA: A3 (Affirm)

modefinance Corporate Credit Rating for PRADA SPA: A3 (Affirm)

Central Credit Register and oplon Risk Platform: the tools to evaluate companies’ creditworthiness

How credits reports issued by the Central Credit Register of the Bank of Italy affect on companies' rating.

Applying Game Theory to a financial risk analysis

How can you apply Game Theory to finance? And how this can be in a Rating analysis?

How BigData can be useful for risk analysis

And how to apply data analytics to financial evaluations

modefinance Corporate Credit Rating for GIORGIO ARMANI SPA: A3+ (Affirm)

modefinance Corporate Credit Rating for GIORGIO ARMANI SPA: A3+ (Affirm)

New partnership between A for Value and modefinance

New international partnership between A for Value and modefinance, promoting risk mitigation applying Fintech

modefinance Corporate Credit Rating for BARILLA INIZIATIVE SPA (First Issuance)

modefinance Corporate Credit Rating for BARILLA INIZIATIVE SPA (First Issuance)

Protecting from exposure risk. How to

How to manage exposures in oplon Risk Platform

The first rule of FIN-TECH is to make the rules of Fintech

modefinance between the lead partners of the winning project

Sensitivity analysis: how to evaluate the company’s financial resilience

Sensitivity analysisi in oplon Risk Platform

Statistic and data science: modefinance at the S&DS 2018

Data science conference

Another goal achieved

Official modefinance Mapping

modefinance at the Reply Xchange 2018

modefinance @ Reply

oplon, data science for risk management

Your own rating agency

modefinance Corporate Credit Rating for BARILLA HOLDING SPA (withdraw)

modefinance Corporate Credit Rating for BARILLA HOLDING SPA (withdraw)

modefinance Corporate Credit Rating for Prada SPA: A3 (Affirm)

modefinance Corporate Credit Rating for Prada SPA: A3 (Affirm)

Fintech Customer evaluation

BigData Artificial Intelligence for Customer evaluation

modefinance's audition at the Finance Commission of the Italian Parliament

Finance Commission Fintech

s-peek Team, the first collaborative Credit Risk Management platform

s-peek Team becomes collaborative

modefinance Corporate Credit Rating for BARILLA HOLDING SPA : A3- (Affirm)

modefinance Corporate Credit Rating for BARILLA HOLDING SPA : A3- (Affirm)

Evolving modefinance brand identity

“New logo“

Customized Credit Risk Management: Fintech, analytics and big data

“Analytics and bigdata in Credit Risk Management“

modeFinance Corporate Credit Rating for Giorgio Armani SPA : A3+ (First Issuance)

modeFinance publish Giorgio Armani Rating

modeFinance on stage at the Finovate European conference

modeFinance @ Finovate