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.

learn more
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.