What GiniMachine does

GiniMachine, operated by Lithuanian entity UAB HES Europe and headquartered in Vilnius, is an AI-powered no-code decision-making platform that enables lenders, financial institutions, and debt collection agencies to build, validate, and deploy predictive scoring models without data science expertise. Customers upload historical tabular data (minimum 1,000 records), and the platform automatically trains supervised ML models, self-evaluates them using industry-standard metrics (Gini Index, ROC-AUC, K-S score), and exposes real-time scoring through a web interface and REST API. The product is delivered as three branded lines: the unified GiniMachine Platform, GCredit for credit and application scoring, and GCollection for collection scoring and recovery strategy optimization, supplemented by Data Provision and Data Preparation services for organizations lacking clean historical data.

Underlying technology emphasizes automation and explainability. The system handles numerical, categorical, ordinal, and time-series data, tolerates missing values without manual cleansing, and produces per-prediction feature attribution to support explainable decisions. A dedicated fairness analysis module computes Disparate Impact and Equal Opportunity Difference across sensitive attributes at three decision thresholds, aligned with EU AI Act requirements, and a model monitoring dashboard tracks data and concept drift over time. SDKs in Python, Java, JavaScript, C#, and cURL, plus integration with HubSpot CRM, position the platform for both self-serve and embedded enterprise use cases.

GiniMachine's business model is a subscription-based SaaS with quote-based pricing and a free trial, supplemented by ecosystem distribution through HES FinTech, where GiniMachine powers HES LoanBox and HES Collection Agent as the unified AI decisioning layer. The go-to-market combines product-led growth (free trial, free credit department audit guide, public case studies) with API-first enterprise embedding and direct sales. The platform serves a globally distributed customer base spanning Lithuania, Switzerland, Singapore, India, Zambia, and Mongolia, with named adopters including InvesCore NBFI, Personalized Loans, Kit Lean Technologies, Yeaz!, HES FinTech, the Asian Collection Company, MobiCom, Fanaka Technologies, and an undisclosed South Asian auto lender.

Name

GiniMachine

Legal name

UAB HES Europe

Website

https://ginimachine.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

GiniMachine is a Vilnius-based no-code AI platform that builds, validates, and deploys predictive scoring models for credit risk, debt collection, and broader business decisioning, serving lenders, financial institutions, and collection agencies globally via SaaS and API, and operating as the AI decisioning layer within the HES FinTech ecosystem.

Ownership category

akta.pro rank

Product category

AI-Powered Credit Scoring Software

NAICS

Activities Related to Credit Intermediation (5223), Credit Bureaus (561450)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Decisioning Engines (Rules, Scorecards, ML) (FSAGAHAB)

akta.pro secondary industries

Underwriting Automation & Income/Employment Verification (FSAGAHAD), Credit Monitoring, Portfolio Analytics & Early Warning Systems (FSAGAHAJ)

Keywords

• Credit scoring software
• AI risk modeling
• Predictive analytics
• Debt collection automation
• Machine learning platform

Headquarters

HQ city

Vilnius

HQ country

Lithuania

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. SaaS Subscription (Platform Access): GiniMachine is a Software-as-a-Service platform accessible via subscription. Users sign up through the website (saas.ginimachine.com, gcredit.ginimachine.com, gcollect.ginimachine.com) and access the platform's predictive modeling and scoring capabilities. The platform offers a free trial for new users. Pricing is quote-based and not publicly disclosed on the website.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

GiniMachine is a no-code AI platform that enables financial institutions, lenders, and debt collection agencies to build, deploy, and maintain credit scoring and predictive models without requiring data science expertise. The platform automates risk assessment, scoring decisioning, and collections prioritization through explainable machine learning models that can be integrated via API into existing lending or collections workflows. It also offers supporting services for data preparation, data provisioning, model monitoring, and drift detection.

Product overview

GiniMachine is a no-code AI automated decision-making platform offered as a SaaS solution. The core platform combines with two specialized product lines: GCredit for credit scoring and GCollection for collection scoring. Both products share the same AI engine for building and deploying predictive models, with data flowing through the platform's unified decisioning layer. The platform also offers supplementary Data Provision and Data Preparation services. Users can build unlimited predictive models at no additional cost and access scoring via web interface or REST API.

Differentiator

Problem solved

Functional benefit

Products and services

• GiniMachine Platform
• GCredit
• GCollection
• Data Preparation Service
• Data Provision Service

Quantifiable outcome

• Reduce risks by up to 45%
• +6 more outcomes

Named customers10 records

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability3 records

Feature9 records

Partnerships

One partnership is on record.

• HES FinTechcoreTechnology or IntegrationGiniMachine operates as the core AI decisioning layer within the HES FinTech ecosystem, powering HES LoanBox (loan management software) and HES Collection Agent (debt collection software). GiniMachine is owned and operated by UAB HES Europe, the same parent entity as HES FinTech. The platform shares a unified AI foundation with HES FinTech products to ensure consistency in data usage, model logic, and decision-making across the lending lifecycle.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Temenos: Temenos is a major core banking software provider that includes credit decisioning, risk analytics, and AI capabilities in its platform — competing with GiniMachine for bank-level digital lending and credit risk modernization deals.
• Experian: Experian is one of the three major credit bureaus and offers credit decisioning, analytics, and fraud tools to lenders, making it a large incumbent competitor with proprietary data assets GiniMachine does not have.
• FICO: FICO is the dominant legacy credit scoring vendor globally, providing scorecards, decisioning software, and analytics to banks and lenders — competing broadly with GiniMachine across the credit risk decisioning category.

Emerging players

• DataRobot: DataRobot provides an enterprise AutoML platform that builds, evaluates, and deploys predictive models — competing with GiniMachine's automated model-building capabilities for any organization with in-house data science teams.
• H2O.ai: H2O.ai offers an open-source and enterprise automated ML platform used for credit risk modeling among other use cases, positioning it as a horizontal AutoML peer to GiniMachine's verticalized credit and collection scoring platform.
• Featurespace: Featurespace applies ML to fraud detection and risk scoring for financial services, overlapping with GiniMachine's predictive scoring and decisioning capabilities, particularly in transaction-level risk analytics.

Direct peers

• Zest AI: Zest AI builds machine-learning credit underwriting software for lenders, focused on automating and improving credit decisions using alternative data — directly overlapping GiniMachine's core credit scoring capability for banks and alternative lenders.
• Provenir: Provenir provides a no-code AI-powered risk analytics and decisioning platform for fintechs and banks, with credit decisioning, fraud, and onboarding — closely aligned to GiniMachine's credit scoring and decisioning automation value proposition.
• LenddoEFL: LenddoEFL specializes in alternative credit scoring using non-traditional data sources for emerging market lenders, directly competing with GiniMachine's alternative-data-driven credit scoring for thin-file borrowers in Asia, Africa, and Latin America.
• Upstart: Upstart operates an AI lending marketplace and offers its lending model as a software platform to banks and credit unions, making it a direct competitor in AI-driven credit decisioning and thin-file borrower underwriting.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/GiniMachineAI

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about GiniMachine