Used by: Personal Loans / Cash Advance / Credit Cards
Low approvals. Today’s high interest rates and invisibility into healthy borrowers make lending harder than ever.
Overlooked Borrowers. Traditional lending criteria exclude capable borrowers with a strong ability to pay.
Lagging signals. It can take up to 30 days for credit reports to display changes in a borrower’s financial situation.
Reduce approval risk. Evaluate borrowers’ capacity to handle increased interest expenses while ensuring loan repayment.
Identify healthy cashflows. Visualize a borrower’s cashflows to uncover signals of financial health and ability to pay.
Real-time visibility. Tailor loan terms based on a comprehensive, unified, and real-time view of your customers' cashflows alongside credit data.
Analyze real-time and predictive behaviors across income, loans, rent, balances and more.
Drive lift in risk models with 1000+ Affordability Attributes including income and spend shocks, balance trends, and early signs of delinquency.
Predict outcomes including the likelihood and ability to repay.
Score users for cash advances.
Personalize payment plans to prevent NSFs and overdrafts.
Set dynamic credit limits for credit and charge cards.
Project affordability scenarios for debt consolidation.
