Point Predictive is an AI technology company specializing in advanced machine learning scoring models for risk assessment, primarily serving banks and lenders. Point Predictive provides solutions that enable financial institutions to fund more loans by leveraging a patented combination of Artificial and Natural Intelligence (Ai+Ni) for accurate, efficient fraud and misrepresentation detection.
The company’s core technology helps automotive, mortgage, retail, personal lending, and student loan finance companies identify loan applications containing truthful and reliable information—reducing the need for excessive data verification steps common in traditional processes. By analyzing millions of examples of both genuine and falsified loan applications, Point Predictive's models can surface risks of first-party and third-party fraud, helping lenders safely expand their lending while minimizing losses.
Point Predictive distinguishes itself by combining big data analytics, proprietary data elements, and scientifically-selected third-party data sources, all augmented by human expertise. This enables the company to deliver highly trusted solutions for fraud and misrepresentation prevention in financial services.
Who Uses Point Predictive?
Point Predictive serves a range of clients across the financial sector, including banks and lenders in automotive, mortgage, retail, personal, and student loan segments. Notable customers include Carriage Auto Group, Elite Acceptance, Expediter Services, MidAtlantic – Auto ONE, and Tekambi.
How Was Point Predictive Started?
Point Predictive was founded by a team with substantial expertise in compliance, strategy, operations, revenue, and finance:
- Tim Grace (Chief Executive Officer)
- Frank McKenna (Chief Strategist)
- Bill Hall (President & Chief Operations Officer)
- Michael Hughes (Chief Revenue Officer)
- Paras Kothari (Chief Financial Officer)
- David Johnson (Chief Compliance Officer)
This leadership team brings a mix of AI, risk management, and financial services backgrounds, informing the company’s emphasis on combining technology with industry know-how. Learn more about their approach on their About page.
Where is Point Predictive Located?
Point Predictive is headquartered in San Diego, California, serving clients across the United States.
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