A FinTech approach, where the application of data science technologies and algorithms is integrated with the expertise of our financial analysts, in order to provide an innovative service in the credit rating assessment of companies and banks
Our Credit Ratings are processed with MORE, the proprietary methodology based on Artificial Intelligence -validated by ESMA, the authority that certifies and supervises the rating agencies in Europe.
The availability of company information, processed on a statistical basis, allows our financial analysts to operate on a unique and objective database, and to specifically focus on evaluating the qualitative conduct.
We process financial information with highly automated methodologies, for a quick and steady response for the benefit of users, who require timely access to credit rating information, towards real-time.
The automation of data collection -related to millions of companies- allows us to contain the cost and develop a profitable, highly-skilled rating assessment, able to compete with the traditional ratings market.
In Europe, only the Rating Agencies recognized by ESMA (European Securities and Markets Authority) can issue ratings with legal value.
modefinance is authorized to operate as a credit rating agency in accordance with the Article 16 of the European Regulation N.1060/2009 and following, and is authorized to issue solicited and unsolicited credit ratings on non-financial companies and banks.
All the ratings issued are comparable according to the ESMA Mapping, and are available by subscription directly from the website.
We learn, develop, and apply new technologies to companies' and institutions' credit risk assessment.
We have developed a proprietary methodology that combines our data science skills, Analytics background, and Artificial Intelligence algorithms, and making these available for our multidisciplinary team, capable of developing web and cloud-based systems with significant savings in costs and resources, and less invasiveness in any company's daily procedures and financial activities.
Algorithms and financial analysts
Our MORE rating assessment methodology -internally developed and validated by ESMA at the time of registration as a CRA- is set in two steps:
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