Home » The rating of the companies arrives in real time. But there are also those who do without it

The rating of the companies arrives in real time. But there are also those who do without it

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Now fintech innovation focuses on real-time valuation. Already today a fintech rating agency such as modefinance provides the banks themselves with a rating-as-a-service tool with a patented data analysis platform that the client feeds on the database of their choice. But it is still an exercise in forecasting on the basis of old data, not after the 2020 budget, perhaps on the 2019 one.

«Now we aim for the nowcasting, with data very close to analysis, almost in real time – explains CEO Mattia Ciprian -: integration with a tech company of the caliber of TeamSystem, leader in the digitalization of the business of companies and professionals, allows us to have a privileged observatory on the dynamics of the Italian entrepreneurial fabric, with particular focus on SMEs ».

However, it is still anonymised data, therefore relating to sectors, not to individual companies. «The next step is the company nowcasting: the connection of the management system with the bank opens up the possibility of having a balance sheet updated daily for payments, working capital, liquidity. Of course it is a question of changing mentality and starting to see the financial system as a partner for development », adds the CEO of modefinance.

On the other hand, the update of the bankruptcy law whose entry into force has been postponed to next year requires by default that the company equip itself with self-assessment tools capable of preventing crisis situations.

But the rating could also become superfluous if you think in terms of network finance. «Today we work on the historical performance of individual companies as if they were monads detached and isolated from the whole. Instead, it is necessary to move to a network perspective, interpreting the market relations of individual subjects not as a simple sum of closed bilateral exchanges, but as a network, as a flow of open relationships that must find their own balance “, explains Carlo Mancosu, marketing manager of Bflows, a startup that thinks precisely in terms of networks. And which has so far raised € 600,000 from various players including Invitalia and Banca Intesa.

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