Data inputs
Bureau, application, transaction and alternative data.
- Bureau connectors
- Transaction history
- Alternative data sources
Scoring System
Credit and risk scoring for lending, BNPL and onboarding — scorecards and rules that can be explained to a customer and defended to a regulator.
What Scoring System is made of
Each module can be deployed on its own or as part of the whole.
Scorecards & models
Scorecards built, validated and versioned.
- Scorecard development
- Model validation
- Version control
Decision engine
Rules, cut-offs and strategies applied in real time.
- Policy rules
- Champion–challenger
- Limit assignment
Monitoring
Performance and drift tracked over time.
- Population stability
- Approval and default rates
- Reason codes
Where it sits in your estate
Receives from
- Application channels
- Credit bureaus
- Customer and transaction data
Scoring System
Returns to
- Loan and BNPL platforms
- Card issuing
- Risk and compliance reporting
Questions buyers ask
Yes. It is designed to integrate with existing core banking, switch and scheme connections rather than replace them all at once.
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