WHAT WE DO
QBT develops algorithms and software in the fintech area, backed by a proof experience in the direct provision of services.
The mentioned experience has increased our know-how, consolidating our ability to develop tailored and customized management softwares in order to provide the best technological solution according to the specific customers’ needs.
Moreover, through a deep research and development activity we explored new areas of business turning into a point of reference in the field of Artificial Intelligence, and, in particular, in the Natural Language Processing and machine learning.
We develop all of our research activities thanks to a close cooperation with universities and research institutes, which represent the natural competence network at QBT.
Over the years, we specialized in the development of algorithms and softwares for the financial sector, for the control of stock exchange trading and for the management of non-performing loans, both mortgage-backed and unsecured, risk analysis and valuation of real estate asset.
The development of our products was possible thanks to the combined use of traditional techniques, such as statistical analysis, and experimental techniques related to new research areas, such as the use of behavioral models and agent-based simulation ones.
QBT realizes, upon specific request of its customers, white-label or in house products and services, investing in projects trusted to be worth which are always rooted and raised from the research and development area.
One of our greatest result was the development of a method of valuing and forecasting cash flows deriving from the activity of collecting non-performing loans (NPL). The big difference with the other existing methods lies in the fact that the valuation process takes into account the type of credit, i.e. guaranteed and non-guaranteed, thus generating a provision of collection and its timing.
The algorithm is based on a complex mix of technologies:
- purely algorithmic calculation
- statistical analysis
- agent-based simulation
- complexity analysis
We are able to provide different solutions according to the various and multiple needs and to the quality/quantity of the available data.
The algorithm input can result from data entry activities on management software specifically developed and tailored on customers’ needs or from massive traces extracted from the Customer’s systems.
The results can be produced in a raw format, for subsequent processing in excel sheets, or may be aggregated and reinterpreted through business intelligence tools.
Fintech: Gemini Web Service
Judicial Value (JV)
Starting from the analysis of traditional real estate announcements and judicial auctions, the JV algorithm allows assessing the value that, in all likelihood, the property will be awarded in a judicial auction. In addition, we are able to generate judicial real estate indexes overall the Italian territory.
The indexes can then be related to the main socio-economic indicators and attributed to the specific micro-zone OMI into which the Italian territory is divided.
It allows automatically classifying the uploaded documents and extracting the legal information from them (CTU, legal deeds, mortgage deeds, etc...) in order to optimize the automatic analysis and/or data entry of the same.
It is a version of LegalMorse created specifically for the classification and reading of CTU documents.
System extracting real estate information from the land registry and makes it available in the requested and desired format.
It allows determining automatically the value of the property through the cross data resulting from the values automatically identified with the real estate announcements and the Omi values.
The module OMI consists of the automatic extraction of the Omi value and the related micro zone assigned to the address of the property, the type of building and the related quality duly transcoded based on the OMI table.
The address is georeferenced using a free tool (Google Maps) to establish the geographical coordinates (Lat/Long).
The Comps module allows obtaining automatically real estate announcements from the website immobiliare.it, given the property address, the type or introducing some tolerance parameters on distance range and surface range.
Oracolo Urbano (Urban Oracle) is online at www.oracolourbano.com
The Oracolo Urbano (Urban Oracle) collects the news available online on Corriere del Ticino and Giornale del Molise. The news are analyzed in order to determine, according to the address in the system, the area context by attributing a ranking score.