Sold by: Loxon
Deployed on AWS
Loxon Early Warning System (EWS) is an AI- and analytics-driven solution that enables banks to proactively identify, assess and act on potential credit risks across their portfolios. Supporting both traditional and Islamic banking operations, it provides predictive insights, risk classification and workflow automation to enhance portfolio quality and profitability.
Overview
Loxon Early Warning System (EWS) is a comprehensive business solution designed to support credit and customer monitoring activities for banks. Its primary objective is to detect early signs of credit deterioration within the entire loan portfolio, allowing financial institutions to act before issues escalate. The system collects and analyses data from multiple internal and external sources including traditional financial data, behavioural indicators and non-traditional signals to identify early warning signals and calculate Probability of Default (PD) values using advanced statistical and predictive models. Beyond analytics, Loxon EWS provides a full workflow management layer supporting root cause analysis, escalation and pre-workout actions. It assists users in assigning customers to appropriate risk categories, generating decision-support documents (e.g., breach reports, classification proposals) and creating action plans that maximise expected profit or customer value. The solution offers extensive configurability, enabling banks to adjust models, questionnaires and parameters to their own data and processes. Loxon EWS can be implemented as a standalone solution or integrated into existing banking systems, available both on-premises and as a cloud-based SaaS. By providing early, data-driven insights and orchestrating the entire risk mitigation process, Loxon EWS helps banks strengthen resilience, reduce non-performing exposures and maintain a healthy, sustainable credit portfolio.
Highlights
- Proactive risk identification: Detect early signs of credit deterioration with predictive analytics and behavioural modelling to reduce defaults and improve portfolio quality.
- Integrated workflow automation: Manage escalation, root cause analysis and action plans through a built-in business process layer that supports pre-workout decision-making.
- Flexible deployment and configurability: Available as on-premise or SaaS solution, allowing full parameterization and model customization to fit the unique risk environment of each bank.
Details
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Deployed on AWS
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Pricing
Pricing is based on the duration and terms of your contract with the vendor. This entitles you to a specified quantity of use for the contract duration. If you choose not to renew or replace your contract before it ends, access to these entitlements will expire.
Additional AWS infrastructure costs may apply. Use the AWS Pricing Calculator to estimate your infrastructure costs.
Dimension | Description | Cost/36 months |
|---|---|---|
TIER 1 | Up to 3000 customers loaded to the system | $162,000.00 |
TIER 2 | 3001-6000 customers loaded to the system | $198,000.00 |
TIER 3 | 6001-10000 customers loaded to the system | $270,000.00 |
TIER 4 | 10001-15000 customers loaded to the system | $432,000.00 |
TIER 5 | 15001-20000 customers loaded to the system | $594,000.00 |
TIER 6 | 20001-25000 customers loaded to the system | $738,000.00 |
TIER 7 | 25001-30000 customers loaded to the system | $882,000.00 |
Dimensions summary
You buy this risk monitoring system through a contract, priced by the number of customers loaded into the system. Seven tiers set the scale. TIER 1 covers up to 3,000 customers. Each higher tier adds a defined band: TIER 2 covers 3,001-6,000, TIER 3 covers 6,001-10,000, and so on through TIER 7, which covers 25,001-30,000. You pick the tier that matches your loaded customer count. As your monitored portfolio grows, you move to the tier covering that range. Pricing scales with capacity, not with features.
Top-of-mind questions for buyers
A customer is any client record you load into the system for credit monitoring. This includes retail and non-retail borrowers in your portfolio. Each loaded record counts toward your tier band, whether or not the customer has active signals or alerts.
Each tier covers a fixed range of loaded customers. When your count moves past a band's upper limit, you move to the tier covering the new range. The tier price applies to your whole loaded portfolio, not just the added customers. Confirm transition timing with the vendor.
No. Pricing scales only with the number of customers loaded into the system. Signal calculation, Probability of Default scoring, root cause analysis, and reporting are part of the system regardless of tier. Your tier reflects portfolio capacity, not the features you turn on.
www.loxon.eu
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Delivery details
Software as a Service (SaaS)
SaaS delivers cloud-based software applications directly to customers over the internet. You can access these applications through a subscription model. You will pay recurring monthly usage fees through your AWS bill, while AWS handles deployment and infrastructure management, ensuring scalability, reliability, and seamless integration with other AWS services.
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Support
Vendor support
We can provide different levels of support for the product based on an individual agreement.
The exact content of the support and the levels of the support are recorded in the Service Level Agreement (SLA). The SLA is part of the contract between the service provider and the customer and clearly defines the expectations and responsibilities of both parties. The SLA includes the metrics that define the service (service-uptime, availability period, etc.), as well as the response time and resolution time to solve the problems. Regarding the support channels, we basically provide access to our ticket management system for our customers, but we are flexible to our customers needs in terms of support channels and availability.
Email address: ewssupport.aws@loxon.eu Website: https://www.loxon.eu/ Phone: +36 1 789 0626
AWS infrastructure support
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