AI-NATIVE PREDICTIVE INTELLIGENCE

Better Models. More Data. MJÖ Smarter Decisions, In seconds.

When data is scarce, talent is limited, and speed and compliance matter, Thorcast turns models into decisions. Instantly.

+20–150% PREDICTIVE LIFT WITH ALTERNATIVE DATA
−20–50% DEFAULT & FRAUD RATE REDUCTION
<3 MIN FROM RAW DATA TO MODEL IN PRODUCTION
· RETAIL ANALYTICS · ALTERNATIVE DATA · EXPLAINABLE AI · REGULATORY COMPLIANCE · ON-PREMISE DEPLOYMENT · BNPL RISK · INCOME ESTIMATION · CHURN PREDICTION · BANKING & LENDING · CREDIT SCORING · FRAUD DETECTION · RETAIL ANALYTICS · ALTERNATIVE DATA · EXPLAINABLE AI · REGULATORY COMPLIANCE · ON-PREMISE DEPLOYMENT · BNPL RISK · INCOME ESTIMATION · CHURN PREDICTION · BANKING & LENDING · CREDIT SCORING · FRAUD DETECTION
OUR STORY

Build for the

hardest calls.

Antonio Latorre spent 11 years building predictive AI for the institutions that define financial access in Latin America — Nubank, Mercado Libre, Santander, BBVA, Scotiabank, Citibank, among others. Not as a consultant. As the person who built the models and data infrastructure that allowed those institutions to reach customers they couldn't evaluate before — expanding financial inclusion where traditional data simply didn't exist.

He saw the same problem repeat itself across every market: brilliant analysts spending months on work that should take minutes. Banks turning away good customers because the data to evaluate them simply didn't exist. Regulators demanding explanations that took weeks to produce manually. And everywhere, the same shortage — not of ambition, but of the data science resources needed to act on it.

Thorcast is his answer to all of it.

Built with Daniel Jiménez — a brilliant engineer with two Master's degrees in Data Science and Computer Science, and former Amazon engineer who built products for over 9,000 employees — Thorcast combines everything Antonio learned across 15 countries and hundreds of models into a single platform: the alternative data network, the automated modeling engine, the explainability layer, and the economic decision framework that lets any analytics team perform at world-class level. Instantly.

Not a tool. A system — designed from the inside out, by people who know what it actually takes to build, validate, and defend models in complex data environments.

SOLUTIONS

Everything an analytics team needs to perform at

world-class level — in challenging data environments.

AI modeling that builds regulatory-ready models in seconds. Alternative data that reaches where bureaus don't. Explainability your regulator will accept. Deployment that never moves your data.

01 / CORE
Predictive Intelligence

Build, compare, and optimize models for real business decisions. Thorcast helps teams identify the best-performing approach faster by testing multiple modeling algorithms simultaneously–improving predictions across risk, fraud, marketing, churn, collections, and operations.

Credit Risk Fraud Detection Income Estimation Churn & Retention Collections Propensity Modeling
02 / DATA · YOUR UNFAIR ADVANTAGE
Data Enrichment Network

The data your competitors don't have. Behavioral, digital, transactional, and location signals — pre-integrated, validated, and ready to use. No procurement. No pilots.

+20–150% Predictive lift vs.
internal data alone
LATAM-native Built for emerging
market realities
Digital Footprint AI Thin-File Coverage Income Signals Fraud Signals
03 / EXPLAINABILITY
Explainable & Generative Intelligence

Through MJÖ™, Thorcast's embedded AI assistant, complex models become clear and auditable. It explains results in plain language, generates automated reports for regulators and executives, and helps teams understand, trust, and act on model outputs.

Natural-Language XAI Automated Reporting Real-Time Guidance
04 / OPS
Deployment & Lifecycle Management

Thorcast operates without moving sensitive data from your premises, ensuring full compliance and rapid onboarding. Continuously monitor model performance, detect drift, and retrain models when needed – keeping intelligence consistent and reliable.

On-Premise / Hybrid Continuous Monitoring Auto Governance
EMBEDDED AI ASSISTANT
MJÖ

MJÖ™

EXPLAINABLE INTELLIGENCE LAYER

The only assistant trained to turn any model into a decision your business, regulator, and auditor can understand — and defend.

Natural-Language Explainability

Every prediction explained in plain language, tailored to the audience — from the data scientist to the board.

Automated Regulatory Reporting

Audit-ready reports generated automatically, at scale. No manual work, no compliance gaps.

Economic Decision Guidance

Ask MJÖ to run Thorcast's decision layers and find the cutoff that maximizes EBITDA — backed by model evidence, not intuition.

Slack & Microsoft Teams Native Integration

Lives where your team already works — MJÖ connects natively to Slack and Microsoft Teams. No new platform to learn, no adoption curve. Your most capable data scientist is already in your channel, connected to your entire data ecosystem, from day one.

USE CASES

From banking to retail.

If it can be predicted,

Thorcast predicts it better.

Discover how Thorcast.AI is already driving results across high-stakes industries.

BANKING, RETAIL FINANCE, BNPL & SME LENDING

Smarter credit decisions.
Faster fraud detection.

Financial institutions face a paradox: millions of creditworthy customers remain invisible to traditional data, while rising fraud keeps slipping past legacy models. Thorcast combines alternative data and AI modeling to solve both — expanding financial inclusion without increasing risk.

→  Assess creditworthiness for thin-file and new-to-credit customers using behavioral and digital signals

→  Estimate real income and affordability using proprietary alternative data — no payslip required

→  Detect fraud patterns early through transactional and behavioral signals before losses occur

→  Generate regulator-ready model explanations automatically — no manual documentation

Impact: Higher approval rates, lower default ratios, faster onboarding, and greater financial inclusion — with auditable AI your regulator will accept.

APPROVAL RATE INCREASE IN THIN-FILE SEGMENTS+10–45%
DEFAULT & FRAUD RATE REDUCTION−20–50%
END-TO-END MODEL DEVELOPMENT TIME<3 min

TELCOS & UTILITIES

Predict churn before it happens.
Connect more customers safely.

Telecom operators face mounting pressure to grow subscriber bases while controlling bad debt and churn. Where prepaid dominates and customer data is fragmented, Thorcast enables telcos to make smarter activation, credit, and retention decisions — at scale.

→  Score postpaid applicants and device financing requests using alternative behavioral signals

→  Predict churn probability at the individual level — weeks before cancellation intent appears

→  Optimize retention offers by predicting which customers respond to which incentives

→  Reduce bad debt from device financing and postpaid plans with real-time risk scoring

Impact: Lower churn, higher ARPU, reduced bad debt, and smarter subscriber acquisition — powered by data your competitors don't have access to.

CHURN RATE REDUCTION WITH PREDICTIVE RETENTION−25–40%
BAD DEBT REDUCTION IN DEVICE FINANCING PORTFOLIOS−30%
FROM RAW DATA TO MODEL IN PRODUCTION<3 min

RETAIL, E-COMMERCE & BNPL

Sell more to the right customers.
Recover more from the right ones.

Retailers and e-commerce platforms sit on a goldmine of behavioral data — but most lack the tools, models, and workflows to turn it into decisions. Thorcast transforms transactional and digital signals into propensity models, credit scoring, and collections optimization — instantly.

→  Score BNPL and installment applicants using purchase behavior and digital footprint signals

→  Build propensity models that predict which customers will buy, upgrade, or respond to offers

→  Optimize collections by predicting payment probability and best contact strategy per customer

→  Reduce cart abandonment and improve conversion with real-time personalization models

Impact: Higher conversion, lower credit losses, and smarter collections — without hiring a single additional data scientist.

CONVERSION RATE LIFT WITH PROPENSITY MODELS+15–35%
BNPL DEFAULT RATE REDUCTION−20–40%
FROM RAW DATA TO MODEL IN PRODUCTION<3 min

INSURANCE & INSURTECH

Price risk accurately.
Detect fraud before it costs you.

Insurers face two compounding problems: limited customer data makes accurate risk pricing difficult, while fraud detection still relies too often on reactive manual reviews. Thorcast enables insurers to price policies with precision, detect fraud proactively, and explain every underwriting decision to regulators.

→  Build underwriting models enriched with behavioral and alternative data for more accurate risk pricing

→  Detect fraudulent claims early using pattern recognition across transactional and behavioral signals

→  Predict policy lapse and cancellation to optimize retention and reduce churn

→  Generate regulator-ready explanations for every underwriting and claims decision automatically

Impact: More accurate pricing, less fraud, lower loss ratios, and full regulatory explainability — built for markets where traditional actuarial data doesn't exist.

CLAIMS FRAUD RATE REDUCTION−15–35%
UNDERWRITING ACCURACY IMPROVEMENT+20–40%
FROM RAW DATA TO MODEL IN PRODUCTION<3 min
HOW IT WORKS

From your data to a

world-class decision

in under 3 minutes.

Step 1
Step 2
MJÖ
Step 4
STEP 01

Data Ingestion & Preparation

Connect your internal data in minutes — no migration, no risk. Thorcast enriches it automatically with alternative data signals your team never had access to before.

STEP 02

Predictive Modelling Engine

Thorcast runs dozens of models simultaneously and selects the best one automatically — delivering the accuracy of a world-class data science team, without needing one.

STEP 03

Explainable Intelligence

MJÖ™ turns every model into a decision your regulator, CFO, and auditor can understand — and defend. Audit-ready reports generated automatically. No manual work.

STEP 04

Decision Delivery

Scores, decisions, and economic guidance delivered in real time — through APIs, dashboards, or directly in Slack and Microsoft Teams. Your team acts on intelligence, not data.

BLOG & TUTORIALS

Intelligence,

shared.

ALTERNATIVE DATA

The Data Science Talent Gap in Challenging Markets — and How AI Is Closing It

Finding senior data science talent in Chile, Peru, Colombia, or Mexico is extraordinarily difficult — and expensive. Here's how AI is closing the gap without replacing the team.

March 2026 · 5 min read
DATA-SCARCE MARKETS

Why Models Built for Developed Markets Fail in Latin America — and What to Do About It

The data environment in Santiago, Lima, or Bogotá works nothing like London or Frankfurt. Here's why imported platforms consistently underperform — and what the alternative looks like.

March 2026 · 7 min read
PREDICTIVE INTELLIGENCE

Beyond the Score: Why the Cutoff Decision Is Where the Money Is

The model produces a score. But the decision about where to draw the line between approve and reject is an economic problem — and most institutions solve it with a spreadsheet and someone's best judgment.

February 2026 · 6 min read
EXPLAINABILITY

Why Regulatory Compliance Is Your Competitive Moat — Not Your Bottleneck

Compliance is almost universally treated as a cost across Latin American financial institutions. The institutions that recognize it as an asset are building one of the most durable competitive advantages in financial services.

February 2026 · 5 min read
PREDICTIVE INTELLIGENCE

Why Parallel AI Modeling Outperforms Traditional Credit Scoring Pipelines

Traditional credit scoring finds a good model — not necessarily the best one. Here's why running dozens of models simultaneously changes the equation entirely.

January 2026 · 4 min read
ALTERNATIVE DATA

Behavioral Data: The Missing Signal in Financial Inclusion

Over 400 million adults across Latin America are underbanked — not because they're poor credit risks, but because traditional bureau data can't see them. Behavioral data changes that.

January 2026 · 5 min read
EXPLAINABILITY

Building AI You Can Explain to a Regulator

Every credit team dreads the regulatory request for model documentation. Here's how to build AI that answers the regulator's real questions — not just the formal ones.

January 2026 · 6 min read