Alternative Credit Scoring
The Alternative Credit Scoring Models transform how banks assess creditworthiness by going beyond traditional bureau data to include behavioral, transactional, and macroeconomic signals—making lending more inclusive and accurate. For individuals, the system analyzes account activity, spending patterns, digital behavior, and wallet usage, applying Basel III’s 7C credit principles for regulatory alignment.
For businesses, it evaluates P&L, balance sheets, cash flow, POS activity, and invoicing trends, contextualized with real-time economic indicators. AI-driven models continuously learn from these data streams to uncover hidden risk patterns, enabling lenders to responsibly serve new-to-credit segments while maintaining transparency and improving risk-adjusted returns.
Highlights
Inclusive Credit Assessment
Expands access to underbanked populations using alternative data.
Regulatory Alignment
Basel III-compliant scoring ensures credibility and global best practice.
Business-Specific Analytics
Incorporates ratio analysis, cash flow health, and industry risk.
Macroeconomic Sensitivity
Scores adapt dynamically to changing market conditions.
AI-Driven Accuracy
Learns from behavioral data to deliver nuanced, real-time risk insights.
Transparent Decisions
Provides interpretable scoring logic for compliance and trust.