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.
Aussi dans Solutions de systèmes de paiement
Présentation de la practiceEngager la conversation
Dites-nous ce que vous cherchez à construire
Que vous modernisiez une plateforme bancaire, lanciez un produit de paiement ou sécurisiez une infrastructure existante, nous vous aidons à définir la bonne trajectoire.