Success case — Credit Scoring As a Service

AI-driven scores designed to maximize approval rates for non-traditional borrowers

Challenge

Improve risk assessment to promote financial inclusion.

+ 65% of consumers and 45% of SME’s with no access to traditional credit in Latam.

+ Collateralized lending dominating markets excluding many potential borrowers.

+ Limited use of alternative data or methodologies in the financial sector.

Solution

A  flexible credit decision engine to automate underwriting and increase precision

+ AI credit scoring models implemented for non traditional risk assessment.

+ Technological solution with real-time decisioning and process consistency.

+  Models with flexible credit risk parameters designed to maximize eligibility.

Results

5.0M+
Credit applications reviewed
30+
A.I. credit scoring models implemented
157%
Approval rate improvement for low credit scores versus traditional approaches
2X
Approval rate improvement for users under age 35 versus credit-bureau-based models

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Alternative credit solution to support SMEs growth