FK Artifishal Finans IntelidzhensDnipro · Ukraine
+380 99 585 38 56
A model scores an application. A person is still responsible for the decision. Check any financial company, including this one, in the National Bank of Ukraine register before sharing documents.
Financial company · Dnipro

The algorithm does not
dislike you. It has never met you.

FK Artifishal Finans Intelidzhens is a non-bank financial company in Dnipro. Like most of this market, our assessment of an application starts with automated scoring.

Applicants tend to imagine either a machine that knows everything about them or a machine that decided arbitrarily. Neither is true, and the difference matters — because what a model actually uses is mostly information you can see, check and sometimes correct.

application datacredit historyexisting obligationspayment behaviourverification checks SCORING MODEL weights patterns it has seen before SCORE a number, not a verdict A PERSON decides and answers for the decision
Simplified illustration. No model, data or result of any real applicant is shown.
The inputs

What it sees, and what it is blind to

Generally used

  • What you stated in the application, and whether it is internally consistent
  • Credit history from the credit bureaus, including past delays
  • How much you already owe and to how many creditors at once
  • Whether recent applications cluster in a short period
  • Verification results — identity, documents, basic checks

It cannot see

  • Why a payment was late three years ago
  • That the salary drop was a deliberate career change
  • Money you hold that never passed through an account
  • Circumstances you have not told anyone about
  • Anything you have never been asked and never provided
Almost every "unfair" decision lives in the right-hand column. The model is not withholding sympathy; it has no field for the thing you wish it knew. That is why the useful response to a refusal is information, not argument.
If the answer is no

Five things worth doing, in this order

A refusal is a data point about a file, not a verdict about a person. Most of these cost nothing.

Our position

How we use automation

Scoring orders the queue; it does not replace responsibility. A decision affecting a person is taken by this company, and this company answers for it — not "the system".

We commit to

  • Telling you the basis of a decision, and whether bureau data was used
  • Reviewing a file again when you provide material information
  • Collecting only data we actually need for the assessment
  • Declining where the obligation would not be serviceable, rather than pricing around it

We never

  • Ask for your bank passwords, card details or one-time codes
  • Charge a fee before funds are provided
  • Promise approval in advance, by any channel
  • Accept an application submitted for somebody else's benefit
Questions

Asked regularly

i.Does a refusal stay on my record?

Applications and their outcomes are recorded. The lasting damage comes from arrears, not from a single refusal — and from applying to twenty places in a week.

ii.Can I see my score?

Scores are internal and differ between providers. What you can see is the underlying record — your credit report — which is more useful anyway, because that is what can be corrected.

iii.Is "AI" in your name a product claim?

It is a name. The substance is ordinary scoring plus human responsibility, described above. Treat any firm claiming that an algorithm guarantees approval as making a claim no algorithm can deliver.

iv.How do I check you are authorised?

In the National Bank of Ukraine register, by exact legal name, and check which services are listed. Take the contact details from the register rather than from a message you received.

Contact

Contact us directly

These are the only channels this company uses. No fee is ever payable before funds are provided.

Officevul. Shevchenka 37, office 615
Dnipro 49050, Ukraine
Telephone+380 99 585 38 56
Emailreply@artifishalfinansintelidzhens.com