Business Challenge

To conduct privacy compliant analytics and machine learning across jurisdictions that meet current and upcoming regulations such as GDPR, while opening the opportunity for secure cloud computing. Applications include customer marketing analytics, fraud detection, credit risk analysis and private data evaluation.


As reported in the Wall Street Journal, customers like ING Belgium use the XOR Secret Computing™ Engine to build analytical models using their data from multiple countries with stringent data security and personal privacy rules, like Switzerland and Luxembourg.  Proprietary algorithms generated by ING data science teams are compiled with XOR and secretly computed by all regional datacenters and/or cloud services providers without revealing any sensitive information; no PII is exported from any jurisdiction.  With more data sources, the teams can build improved models and more accurately predict anything from loan defaults and payment fraud to identifying which products or services a customer is likely to buy.