FINANCIAL AND EDUCATIONAL
PRODUCTS
Financial Services
Stardoc®
End-to-end technological application, for the operational and accounting control of operations. Handles currency, capital and derivatives.
Signar®.
Market, liquidity and credit risk management system for investment portfolios, derivatives and credit.
Debt Master®.
Application that manages the balances and flows of financial liabilities contracted by corporate companies.
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VaR was created in 1999 with the purpose of offering consulting services on valuation and risk issues. In 2008, VaR began the development of systems for the management of derivative financial products and for the management of discretionary risks.
FINBE – A psychometric, statistical set of credit risk models
for "vulnerable populations".
Risk management is one core the functions of banks and financial institutions. Credit risk management is considered most important and has the biggest exposure. For this reason, statistical credit scoring models are used to rigorously estimate the probability of default of borrowers. However, new borrowers or borrowers without plentiful collateral can be misjudged as "unbackable", even though they would pay on time and represent low credit risks.
Thus, for these sectors and groups, we have developed unique statistical methods to model risks and determine the probability of payment from computational models of Artificial Intelligence and Machine Learning. Instead of a credit score, we use a questionnaire, allowing loan candidates to demonstrate their trustworthiness through responsible experience rather than credit history. The applications of these models are extensive and have been successfully tested.
FINBE - Financial Being: More than just a credit score.
Improving Education and Workforce Assessment
Through the power of cloud-based Machine Learning
CAT - Computer Adaptive Testing in the Cloud
Computer adaptive testing (or CAT) combines computer technology with modern statistical theory to optimize the accuracy of the assessment process; thereby also making it more cost efficient. It reduces the required number of questions by about 50% to obtain similar reliability. This product is for private and public schools, and universities.
Work Force Management
Current work-force management systems rely almost exclusively on the seasonally corrected past average demand on store/workshop facilities and personnel. Using recent developments in machine learning, we achieve both greater precision and greater cross-situational validity, while enhancing the overall flexibility of the system. This product is for companies, government, and large-scale institutions.
CDA – Cognitive Diagnostic Assessment
Cognitive adaptive testing (or CAT) is a statistical assessment model which is designed to measure students’ current learning status, providing diagnostic feedback to improve individual development. This product is for private and public schools, and universities.
Personnel Test Using the Cloud
We have pioneered a Machine Learning based solution that uses Cloud-based interpretation of on-the-job evaluations by customers and supervisors alike. This product is for companies, government, and employment agencies
