Behavioral and Credit Scoring System

Powered by AI, ML, and accumulated business know-how

AND Solutions | Digital Credit and Behavioral Scoring with Alternative Data
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Adaptable, Intelligent, and Self-improving Scoring System

And Global’s digital lending solutions enable financial institutions to digitize and automate complete loan lifecycle for improving their Scoring Systems. And Global’s credit and behavioral scoring system utilize proprietary AI/ML algorithms with state-of-the-art data modeling to deliver faster, accurate, and reliable scoring. We design, develop and deploy custom credit scoring systems to solve the unique challenges of your business and customers, while providing hassle-free customer experience. Our world-class microlending solutions help you thrive and win in a rapidly changing and competitive fintech landscape.

Assess and score new customers’ creditworthiness based on traditional financial data and also non-traditional behavioral data.

Identify, classify, and target customers based on activity data of behavioral tendencies.

Diversify your business with additional products and services with accurate targeting and higher conversion rates.

Why choose our

Our Scoring Technology

Flexible and customizable modeling method tailored to your unique business needs

Accumulated scoring experience and know-how in various financial markets

Domain expert team of AI and machine learning professionals

Redefined

Credit Scoring

Risk mitigation through tailor-made scoring models powered by AI and machine learning.

Automated credit scoring process in seconds

Turn the existing customer’s raw data into actionable insights

Technology Modules & Features:

End-to-End Microlending Solutions
Automate, Analyze, Act

Direct questionnaires

Personal and demographic data collection through direct questionnaires to the customers. Used for customer profiling and classification, necessary for understanding specific customers overall status.

Third party data sources

For credit scoring usually includes credit bureaus, banks and other financial institutes to take a look at the customer’s financial state and capacity. It also could be used with telephone carrier company data, utility company to have better and more accurate look into the customers’ behavioral tendencies.

Device information

As a more alternative data source device/phone data could be utilized as well. This usually includes, device manufacture date, price etc and also phone calls, contact information, application data.

Data structuring

Personal and demographic data collection through direct questionnaires to the customers. Used for customer profiling and classification, necessary for understanding specific customers overall status.

Data labeling

For credit scoring usually includes credit bureaus, banks and other financial institutes to take a look at the customer’s financial state and capacity. It also could be used with telephone carrier company data, utility company to have better and more accurate look into the customers’ behavioral tendencies.

Feature selection and extraction

As a more alternative data source device/phone data could be utilized as well. This usually includes, device manufacture date, price etc and also phone calls, contact information, application data.

Our scoring uses multiple models such as Random Forest and Artificial Neural Network based on the business goals and nature of it. Then creates an ensemble model consolidating results from the utilized models.

Active learning model will be working constantly and a new set of data from the system will be sent back to it for relearning and improvement to the model. The set time period can be customized depending on the business needs.

Our base gamification schema with a loyalty system helps businesses access and identify desirable customers by generating key features that are highly suitable for modeling.

Real-world Use Cases

Lending service

Our client can take advantage of our adaptable credit and behavioral scoring system and integrate it with their existing loan management system to assess and offer additional financial products and services.

Lending service

e-Commerce

Utility services

Telecom

#1

Market leader for micro-lending service

180k

Disbursing 180,000 loans monthly on an average

5

The application process under 5 minutes

Our Approach and Services for Scoring

Our sales and engineering consultants will work closely with you to define and customize solutions to meet your immediate needs. The overall process looks as below. However, our approach is tailored to each partner to make sure of the following necessary steps:

Credit and behavioral scoring system utilizing AI/ML algorithms with state-of-the-art data modeling to deliver faster, accurate, and reliable scoring.

Our solutions

For Your Business Needs

Digital ecosystem builder

Capable of handling high volume high frequency transactions

Lending

Various kinds of loan products and micro investment

e-Commerce

All the function you will ever need in e-commerce

Scoring

Machine learning team with multiple success experience

e-KYC

Identify and authenticate your customers with ease

Link API

Assess your customers through valuable and reliable data source