Overview
This tool from credit score It predicts the risk of default using a dynamic online questionnaire that analyzes attitudes and behaviors related to debt. By assessing an applicant’s willingness to pay, it helps determine whether they are eligible for a loan, including in unbanked markets.
- Over 80% accuracy in predicting delinquency.
- An easy-to-integrate API and encrypted data for maximum security.
- Improves credit models, reducing risk and increasing approval rates. Ideal for financial institutions looking to reduce risk and expand their services in markets without a credit history.
It adds value to credit models by incorporating an analytical layer that enables financial institutions to:
- Approve more loans.
- Reduce the risk of late payments and defaults.
- Reaching unbanked markets without a credit history
