Alternative Credit Scoring | Credit Scoring Model

Customers using our solutions

Traditional credit review doesn’t always capture the whole story.

Open banking can enhance credit scores and credit risk scoring with additional data points (payments) that can increase a consumer’s odds of approval for loans, apartments and more.

Key benefits of a unique credit risk scoring model

Our credit scoring platform offers a frictionless experience that fits with you and your customers’ digital lifestyle. Our independent credit scoring API integrates seamlessly into your existing workflow while also delivering a positive customer experience that’s quick and simple yet powerfully beneficial.

Real-time alternative credit scoring insights for instant impact on a consumer’s credit score.
Delivers a fairer, more precise credit risk assessment based on the borrower’s financial health.
Increasing consumers’ engagement transforms their credit score into a tool for building greater financial health.
Adding data to credit risk scoring models can increase financial accessibility. In the U.S. alone, there are 62 million people who are considered to have a thin file.