Credit scoring 3.0

Next Gen Credit Intelligence For Faster, Cheaper, Friendlier Lending

Traditional credit scores require a history of bill payments. Credit Score 3.0 brings together big data technologies, advanced credit modelling, social, web and mobile data to predict the future of a borrower’s credit worthiness.

The Big
Competitive Edge

Lenders are dependent on limited credit bureau data and outdated credit scoring technologies.
Our Credit Scoring 3.0 solution helps lenders

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    Capture untapped markets

    4.5 billion consumers worldwide are financially excluded because banks do not have data on them. Our solution helps banks understand, connect and lend to these unbanked and underbanked consumers.

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    Streamline application process

    Lengthy application forms kill lead conversions. By automatically extracting and verifying digital data, our solution enables frictionless loan applications and real-time decision making.

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    Reduce fraud and credit risk

    Our scoring algorithms analyse petabytes of data to detect identity fraud, verify application data and evaluate credit worthiness of individuals while protecting their privacy through the encrypted and anonymised data exchange on our platform

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    Cut costs radically

    Using big data, leading US online lenders have cut operating expenses by up to 50% comparing to traditional banking. We now make the technologies available to every lender worldwide.

Learn more

What is
TRUSTINGSOCIAL SOCIAL SCORE

TrustingSocial Score measures creditworthiness of an online identity in three dimensions

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    Authenticity

    Authenticity measures how likely an online identity is real and trustworthy. Our fraud detection algorithm makes sure there is no suspicious behaviors.

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    Network quality

    Network quality measures the depth of the network, based on interactions with other people and their background.

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    Financial credibility

    Financial credibility estimates a person's income percentile based on her work history and education.

Our Technology

Built with advanced data science and machine learning, our technology is designed for scalability, fast deployment and flexibility.

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    Massive social, web and mobile data

    Our global database on people and businesses worldwide enables us to have unprecedented insights on customers.

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    Cutting-edge machine learning technologies

    We apply advanced data science to make sense of complex social and mobile data.

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    Fast testing and implementation

    You can get up and running with our pilot programme in one day. See the value of social data to your business before subscribing to our solution.

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    Customizable to your need

    Our platform is flexible with modules tailored to social and mobile marketing, sale lead scoring, personalized offerings and credit risk.