Our alternative data credit score can be used as a standalone score to assess ‘credit invisible’ customers with no credit history.
Use as a 'rescue score' to reassess soft rejected customers, ensuring you don’t miss out on new and additional lending to creditworthy borrowers who have insufficient credit data.
Alternative data scores have little correlation to traditional credit scores, so they can be used in combination to provide greater predictability to existing scores and a more profitable loan portfolio.
People are diverse and modern lending data should consider a variety of data sources. Traditional risk scores are excluding many good borrowers.
Our risk scores and insights can be used to assess 100% of applicants, regardless of financial background.
Harness the purchasing power of consumers by better understanding of risk.
Our risk scores and insights can be used to assess 100% of applicants, regardless of financial background. People are diverse, and credit assessment should consider a diversity of data. We look at non-traditional and non-personal behavioural data like device data and character assessments.
Safely manage and grow small business lending through reliable information, even in difficult environments. By leveraging data analytics and AI lenders can gain better insights and assess risks.
Character can predict small business success. For example, studies have shown that small businesses operated by someone who demonstrates high levels of ambition, are three times more likely to succeed.
Around the world many economies are moving from being dominated by industrial enterprises to include a growing portion of entrepreneurial businesses. This is particularly true in the MSME space.
Small businesses need fair access to credit.
First-party data through simple yet thorough gamified assessments that are targeted to character traits which are associated with creditworthiness.
Privacy-consented metadata from the users device (iOS or Android) that can be used to predict risk.
SaaS technology that provide character-based credit scores for Banks, Micro Finance, Digital Lenders, Neo Banks, BNPL and Asset Financing.
