The easiest way to generate 1000+ Risk & Affordability signals to train and backtest your loan pricing, pre-qualification, and risk models.
Automate data cleaning, feature extraction, and pipeline development.
Identify recent changes in income, delinquency status, balances, and more.
Generate unified Attributes from multiple data sources including bank aggregators, credit reports, and core banking systems.
Below are some examples of Attributes you can use in your risk models:
Identify recent changes to a borrower’s income, new debt payments, monthly expenses and more. Pave identifies items that don’t show up in a credit report, like BNPL and cash advances.
Read more about the Liabilities Endpoint.
Detect trends related to a user’s monthly income including measures of stability, income to expense trends, and more.
Read more about the Recurring Income Endpoint.
Detect trends including when the user experiences low and negative account balance days.
Read more about the Balances Endpoint.
Get a comprehensive view into how much of your users’ income goes towards servicing their debts.
Read more about the Attributes Endpoint.
Score users for cash advances.
Personalize plans for installment loans.
Project affordability scenarios for personal loans.
Set dynamic credit limits for credit and charge cards.
Use our Scores trained on billions of labeled datapoints:
Forecast user cashflows including: