Dive Into the New Age of Accelerated Credit Scoring
​What We Do
Credit Scoring Model-as-a-Service
Credit360.ai offers an instant scoring models for borrowers, whether they are individuals or MSMEs, when they apply for credit. Depending on your preferences, Credit360.ai can be either fully or partially automated in making credit decisions, tailored to incorporate your risk strategy. Along with an individual's credit score, the service provides detailed insights into the key factors that contribute to that particular score. This empowers credit inspectors to make better-informed decisions on whether to accept or reject an application.
The machine-learning algorithm employed by Credit360.ai continuously builds and updates scoring models, adapting them to reflect recent customer behavior. To achieve this, the credit scoring service utilizes historical data about applicants and may integrate your knowledge of customers and best practices into the model development process.
No Data Available, No Problem
Take advantage of our pre-trained models
Credit360.ai offers the convenience of entering new markets easily, even without initial data. If you lack the data required for the scoring service, our specialists will assist you in defining the initial Scoring Model solely based on business logic and/or combining score from alternative data sources. As your clients' performance data becomes available, our machine-learning features will kick in, fine-tuning the Scoring Model with each iteration. Consequently, the Scoring Model will continuously improve its accuracy, enabling you to minimize risks when venturing into new markets or verticals.
In many instances, service providers and lenders face challenges with insufficient training data when introducing a new credit product or entering a new customer segment. However, Credit360.ai offers a solution by providing its customers with out-of-the-box algorithms specifically designed for various combinations of customer segments and data environments.
Each algorithm serves as a baseline model, and as new information becomes available, such as actual default cases, the model is continuously challenged and refined. What makes this approach unique is that no historical default data is required during the initial setup of the algorithm. Instead, the scoring model leverages self-learning capabilities, gradually improving its performance as it incorporates more robust and relevant information from actual defaults.
Machine Learning - Feature Rich Algorithms
At Credit360.ai, we prioritize keeping your scoring service up-to-date at all times. To achieve this, we regularly analyze market performance changes influenced by the environment and shifts in customer segments. Based on these insights, we determine the appropriate frequency for automated Scoring Model updates, which can be as frequent as every 2 weeks, if necessary. With Credit360.ai, you can rely on having current scores that are highly relevant to the unique characteristics of each market. This agility enables your business to operate more efficiently and swiftly adapt to new markets or customer segments. Additionally, our advanced machine-learning mechanism enables us to deliver scoring even without an initial set of data, making the process even more seamless for you.
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This means that even without a well-established history of defaults, Credit360.ai's algorithms can adapt and enhance their scoring capabilities over time, resulting in more accurate and reliable credit assessments. By continuously learning from real-world data, our platform empowers lenders to make better-informed decisions and achieve more effective risk management, even when launching new credit products or venturing into new customer segments.
Features Designed for Easy Customization
Credit360.ai's credit scoring-as-a-service is designed to be easily adaptable to your specific business requirements and risk strategy. Whether you aim to be more assertive or cautious in the market or towards a particular customer segment, our service can be effortlessly personalized to suit your needs.
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We understand that every business has unique risk tolerances and profitability goals, and our platform allows you to fine-tune the credit scoring process accordingly. Whether you need to adjust the scoring parameters, incorporate additional data sources, or modify the risk rules, our service offers the flexibility to align with your preferred approach.
With Credit360.ai, you have the power to optimize your credit evaluation process and make informed decisions that are well-aligned with your overall business objectives. Our user-friendly platform ensures that tailoring the service to your specific risk strategy becomes a seamless and efficient process, empowering you to make credit decisions with confidence.
Real-time API - Instant Scoring Response
We take pride in providing real-time responses through our API, ensuring that you receive credit scoring results in less than 5 seconds. This swift turnaround time is crucial, particularly for automated decision-making processes.
With our credit scoring-as-a-service, your lending business gains a significant advantage. By delivering credit products to customers on the spot, you can enhance customer satisfaction and capitalize on opportunities in today's fiercely competitive environment. The ability to make quick lending decisions empowers your organization to meet customer needs promptly and efficiently.
Incorporating our real-time API and instant scoring response, Credit360.ai ensures that your lending business remains agile, responsive, and well-positioned to succeed in the dynamic landscape of the financial industry.
We Integrate With Your Ecosystem
Seamless Integration with Your Processing System:
We prioritize making the integration process with your own processing system smooth and cost-effective. We aim to minimize upfront costs and streamline the implementation procedure, ensuring a hassle-free experience.
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Incorporating Your Market Understanding and Expectations:
We understand that every business has unique market understanding and expectations when it comes to credit scoring. Credit360.ai is designed to easily accommodate your existing business knowledge and established rules within the data-driven scoring model. By doing so, the resulting score and the corresponding dominant reasons become more sensible, readable, and logical.
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Enhancing Stability in a Dynamic Environment:
The inclusion of your market knowledge, combined with our expertise, enhances the stability of the Scoring Model even in the face of ever-changing economic, social, and competitive landscapes. This adaptability ensures that your credit assessments remain reliable and relevant, empowering you to make informed decisions in real-time.
By blending your market understanding with our advanced data-driven scoring model, Credit360.ai creates a powerful tool that not only aligns with your business goals but also provides valuable insights to drive success in today's dynamic business environment.