SHUTTLE99

About

SHUTTLE99 OÜ is a technology-driven company specializing in customer acquisition and credit risk management for the financial sector. Founded in 2017 by data science and machine learning expert Jose Luis Lopez Pino, the company operates on a fully remote and bootstrapped model, without any external investment. This structure allows for a high degree of flexibility and a global talent pool, with specialists collaborating from various countries. The firm is officially registered in Estonia, a country known for its digital-forward environment that supports remote business operations. SHUTTLE99's core mission is to connect consumers with the most suitable financial products while helping financial institutions mitigate risk and acquire qualified customers. The company leverages sophisticated algorithms and machine learning to analyze data and predict the best match between a customer's profile and a lender's offerings. The services provided by SHUTTLE99 are twofold. Firstly, it acts as a lead generation partner for banks, lenders, and other financial service providers across Europe, the Americas, and Asia. It helps end-customers find a variety of financial products, including bank accounts, credit and debit cards, loans, mortgages, and debt relief solutions. Secondly, the company offers advanced credit scoring solutions. By utilizing bank transaction data, SHUTTLE99 builds robust, white-box, and PSD2-compliant credit scoring models. This enables financial institutions to make more accurate and informed risk decisions when evaluating loan applicants. The company's innovative approach moves beyond traditional customer segmentation, using data-driven micro-segmentation to enhance the precision of its matching and scoring services, thereby providing significant value to its partners in the competitive financial landscape.