Compare AdviceRobo vs Qualys vs Apruve

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Crozscore:

47%
what is this?
22%
interest falling

Crozscore:

90%
what is this?
91%
49%
interest falling

Crozscore:

80%
what is this?
81%
34%
no significant changes
AdviceRobo screenshot view 3 more Qualys screenshot view 5 more Apruve screenshot view 1 more

Software Description:

FinTech AdviceRobo offers an innovative credit scoring. Looking for possibilities to give more people access to a loan at same risk? The AdviceRobo Psychometric Credit Scoring provides additional data to assess the creditworthiness of thin-file applicants so a lender can increase acceptances and decrease defaults in their loan portfolio.

Our experience is that assessing the creditworthiness of applicants for credit can be quite a challenge, especially for thin-file segments like self-employed, start-ups and millennials. This is because of the lack of reliable data and hickups in onboarding due to the paperwork, that leads to high rejects rates.

Based on academic research, we developed an online psychometric credit test to measure creditworthiness. The risk profiling is based on behaviour and motivation, because we know it is not only about the ability to pay but also about the willingness to pay.

In the test, applicants fill out a 10-minute online questionnaire and within seconds the lender gets the applicants credit score and a short profile.
AdviceRobo offers an integratable white label plug-in for a seamless customer experience. Within seconds, the lender gets the applicant’s credit score and a short profile via an application programming interface (API). Based on this, the lender can instantly either approve or reject the applicant.

This technology has been proven to increase acceptance (+18%) at same or better risk levels (up to 38% lower than average default rate).

Also, AdviceRobo provides continuous risk monitoring to predict default and churn based on Machine Learning models. It enables you to pro-actively service those customers that do need attention which improves the customer lifetime value.

The AdviceRobo technology has also been embraced by a wide partnership base that includes Microsoft, KPMG UK and KPMG Netherlands, Mambu and Endava, who offer AdviceRobo's solutions to their customers.

Founded in 2013, AdviceRobo has a client base comprising next-generation banks, credit card providers, mortgage independent financial advisers (IFAs), and microfinance and crowdfunding platforms.

With offices in Amsterdam and London, the company has operations across Europe.

Software Description:

Qualys' integrated IT security and compliance management platform resolves organizations' vulnerability and policy compliance issues by successfully handling web applications, scans and malware detection.

The platform is cloud-based, so no software installation or upgrade is needed. Users just need to sign-up and close the sales agreement. Qualys performs over 500 security checks, which include more than 150 CGI tests, 300 application tests, and 40 backdoor tests. The service conducts over 150 million IP audits per year.

This is a continuous monitoring system, so there’s no need to schedule the operating system scan or manage credentials for scanning. All relevant reporting is accessible from a fully customizable dashboard, and users can see all their assets – on-premises, endpoints, and cloud-based within 2-seconds. On top of that, Qualys offers a user-friendly website and excellent product support.

Software Description:

STOP MANAGING AND FINANCING YOUR OWN CREDIT PROGRAM

Offer risk-free terms to your customers without any A/R overhead.

  • STREAMLINE A/R - Apruve manages your customer credit approval, invoicing, collections and payments.
  • IMPROVE CASH FLOW - You get paid within 24 hours of any invoice being generated. Your Days Sales Outstanding goes to 1.
  • REDUCE RISK - Collections? That's our worry, not yours. We take on the risk associated with offering payment terms.
  • BUILD LOYALTY - Offering credit binds you more tightly to your customer, encouraging repeat purchasing and long term loyalty.

You're Not a Bank, Stop Acting Like One

Extending terms to your customer leads to your own cash flow and collections issues. Apruve partners with third-party banks to finance your invoices, improve your cash flow and clean up your balance sheet.

Reduce Your Cost to Extend Credit

Apruve's software platform manages complex, cumbersome credit management tasks for you, driving down A/R costs through automation.

Features:

  • Analytics
  • Customer Management
  • API
  • Forecasting

Features:

  • Scheduling
  • Dashboard
  • Calendar Management
  • Notifications
  • Multi-User
  • Data Import
  • CRM Integration
  • Data Visualization
  • API
  • Data Export
  • 2-Factor Authentication
  • External Integrations

Features:

  • Accounts Receivable
  • Forecasting
  • Billing/Invoicing
  • Balance Sheet
  • Payment Processor

Summary:

    No key features associated with this application.

Summary:

    No key features associated with this application.

Summary:

    No key features associated with this application.

Up to 1000 scores per month

$2.00
1 user(s) / month
Included in plan:
  • Min. monthly charge of 750 scores: Euro 1.500
  • offered as a SaaS solution for 3 years
  • fee per score

Enterprise

$500.00
Monthly
Included in plan:
  • Unlimited IPs for scans
  • Unlimited web apps for scans
  • Unlimited scanners
  • Unlimited users
  • Remediation ticketing & tracking
  • Integration with public clouds

FAQs:

    Who are the main user groups of this service?
  • Lenders (mortgages, instalment loans, micro loans), Tier 1 & 2 Banks, Challenger Banks.

  • Does this service offer an API?
  • Service does offer an API.

  • What is this service generally used for?
  • To assess the creditworthiness of (thin file) applicants so lenders can increase acceptances and decrease defaults.

FAQs:

    Does this service offer multi-user capability (e.g. teams)?
  • Yes.

  • Does this service offer an API?
  • Yes, it offers API.

  • Does this service integrate with any other apps?
  • Integrations: Cisco, IBM, Splunk, bugcrowd, Citrix, MetricStream, RSA.

  • What is this service generally used for?
  • This service is generally used for vulnerability and compliance management.

  • What platforms does this service support?
  • This is a web-based platform.

  • Who are the main user groups of this service?
  • Users of this service are small businesses, mid-sized businesses, enterprise, and consultants & auditors.

  • Does this service offer guides, tutorials and or customer support?
  • Support: Phone Support, Live Chat, Free Training, Community Support.

FAQs:

    Who are the main user groups of this service?
  • Apruve is commonly used by B2B Ecommerce companies. Apruve is a partner of Magento, Shopify, Spark Pay, Websphere, CIMM2, WooCommerce and FoxyCart

  • Does this service offer guides, tutorials and or customer support?
  • Yes, Apruve has a full customer service, tutorials and training.

  • What is this service generally used for?
  • Apruve is a great solution for B2B Ecommerce users that would like their customers to still buy using terms but would prefer not taking on the financial risk or process of collections.

  • Does this service offer multi-user capability (e.g. teams)?
  • Yes, it will allow for sellers and buyers multiple users.

  • Does this service offer an API?
  • Yes.

  • What are some applications this service is commonly used in tandem with?
  • Apruve is a partner of Magento, Shopify, Spark Pay, Websphere, CIMM2, WooCommerce and FoxyCart

  • What platforms does this service support?
  • Apruve is a partner of Magento, Shopify, Spark Pay, Websphere, CIMM2, WooCommerce and FoxyCart

Publisher:

Founded:
-
Based in:
Amsterdam
Employees:
2-10
Likes:
Followers:
1.57k

Publisher:

Founded:
-
Based in:
-
Employees:
-
Likes:
4.25k
Followers:
25.1k

Publisher:

Founded:
-
Based in:
Minneapolis
Employees:
11-50
Likes:
Followers:

Other:

Who uses AdviceRobo
  • Enterprises
Desktop Platforms:
  • Windows
Mobile Platforms:
  • iOS
  • Android
Languages:
Dutch, Spanish, English
Regional Restrictions:
Global

Other:

Who uses Qualys
  • SMEs
  • Enterprises
Desktop Platforms:
  • Web App
Languages:
English
Regional Restrictions:
No restrictions.

Other:

Who uses Apruve
  • Enterprises
Desktop Platforms:
  • Web App
Languages:
English
Regional Restrictions:
No restrictions.
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