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Behavioral and Credit Scoring System

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

Our credit and behavioral scoring system utilize proprietary AI/ML algorithms with state-of-the-art data modeling to deliver faster, accurate, and reliable scoring. 

Fully automated

credit scoring process
in seconds

Tailor-made scoring models

powered by AI and machine learning.

Risk mitigation

Turn the existing customer’s raw data into actionable insights.

Adaptable, Intelligent, and Self-improving Scoring System

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.

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

Scoring Technology

Accumulated scoring experience and know-how in various financial markets

Flexible and customizable modeling method tailored to your unique business needs

Accumulated scoring experience and know-how in various financial markets

Technology Modules & Features:

Credit Scoring Solutions

Data collection

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 analysis

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
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 companies to have a 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.

Model training

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.

Self-learning and updating

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.

Gamification

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.