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Alternative Credit Scoring

Alternative data solutions to boost acceptance rates and lower credit losses.

In today’s highly competitive lending environment, not only accuracy in credit decision but also the time to acquire a customer is of essence, lenders are increasingly adopting alternative scoring to make faster and more informed decision.

We have deep expertise in analysing and developing attributes based on alternative data sources like telecommunication, payment or utility data to improve the approval rates on new-to-bank or thin-file customer segments, as well as to reduce defaults and bolster financial inclusion.

Leverage the Full Potential of Data for Credit Decisions

Our scoring solutions help our customers to:

Assess the creditworthiness of customers with little or no prior credit history.

Assess the creditworthiness of customers with little or no prior credit history.

Identify new segments of unbanked prospective customers.

Identify new segments of unbanked prospective customers.

Combine standard and alternative data to achieve the best performance.

Combine standard and alternative data to achieve the best performance.

Accelerate Time-to-Yes, combining multiple alternative data sources in one single automated result.

Accelerate Time-to-Yes, combining multiple alternative data sources in one single automated result.

Reduce the cost of credit by improving the predictiveness of your scoring model and preventing the onboarding of fraudsters.

Reduce the cost of credit by improving the predictiveness of your scoring model and preventing the onboarding of fraudsters.

Product Highlights

Our range of alternate credit scores includes:

<b>Telco Score</b>: uses the telco insights such as data and voice usage, top-up patterns and location to compute scores which predict the probability of default.

Telco Score: uses the telco insights such as data and voice usage, top-up patterns and location to compute scores which predict the probability of default.

<b>Open Banking Credit Score</b>: enables the evaluation of customers’ creditworthiness based on bank transactional data and expenses categories.

Open Banking Credit Score: enables the evaluation of customers’ creditworthiness based on bank transactional data and expenses categories.

<b>Transaction Score</b>: leverage on credit card transactional insights to make real-time credit decisions and improve the share of customers without manual intervention.

Transaction Score: leverage on credit card transactional insights to make real-time credit decisions and improve the share of customers without manual intervention.