AIQLABS combines passion for technology
and data with result-oriented thinking
SuperGrosz.pl
A specialised FinTech entity based on an innovative management and risk-modelling process. With its advanced technology and machine learning algorithms, SuperGrosz has a very low loss index and a high-quality portfolio.
The creation of SuperGrosz satisfies the Customers’ requirements. It fills the gap on the quick loan services market, which competes with the portfolio offered by traditional financial institutions in terms of costs and payment flexibility.
| Supergrosz.pl | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| Amount issued | 90 272 977,00 zł | 77 789 115,00 zł | 103 902 166,00 zł | 126 948 920,00 zł | 226 344 477,00 zł | 244 060 039,80 zł |
| Average loan amount | 3 550,00 zł | 335,00 zł | 4 702 zł4 322 | zł | 5 933,00 zł6846,33 | 6 872,41 zł |
| Average tenor | 29 | 33 | 34 | 37 | 45,5 | 46 |
Kupuj Teraz, Zapłać Później
A conceptual deferred payment and purchase-financing method for users and business customers, performed in cooperation with DotPay. The solution is based on one of the most effective modelling methods (employed among others by data scientists from the Kaggle.com community), elaborate scorecards and complex data set analysis.
The Kupuj Teraz, Zapłać Później (Buy Now, Pay Later) service is available at selected Web stores. It enables the customers to execute the payment up to 30 days following the order submission date, or to split it into instalments.
| Kupujteraz.pl | 2019 | 2020 | 2021 | Q1 2022 | Q2 2022 |
| Amount issued | 438 902 zł | 1 944 108 zł | 2 188 978 zł | 364 988 zł | 265 319 zł |
| Average loan amount | 411 zł | 648 zł | 708 zł | 953 zł | 1 144 zł |
| Average tenor | 3 | 4 | 4 | 6 | 7 |
Finces.pl
An intelligent online financing platform for entrepreneurs who expect real-time operations. Finces is characterized by its quick Customer onboarding process and clear verification process. Thanks to complex data science processes, product parameters can be accurately matched with business customer needs.
Finces is online factoring for small and medium businesses. It is characterized by user-friendly procedure, low costs, and fast transfer of funds.
| Product Overview | ||
| 2019 | Q1 2020 | |
| Amount issued | 6,9 mln PLN | 1,2 mln PLN |
| Average loan amount | 3 455 PLN | 2 885 PLN |
| Average tenor | 1 miesiąc | 1 miesiąc |
| Average APR | 60,00% | 60,00% |