Creditworthiness and Affordability Check
Finclude is a dynamic and inclusive indicator of an individual's likelihood to repay debts that adapts to the maturity of the individual's credit history. It identifies and captures unique and highly predictive behavioral signals for individuals from the point of each transaction, so as to enable better insights for credit decision making. Our scoring calculations are based on assessing the individual’s transactional behavior, so we can accommodate applicants with thin credit files. Most credit assessment tools rely almost entirely on debt repayment history and respective credit events, excluding data points derived by analyzing transactions.
By partnering with Finclude, financial institutions can expand retail credit target markets through data driven risk evaluation with actionable insights, not available by traditional credit score providers.
Benefits:
- Unique insights from financial behavior data
- Harness richer data sets to better assess credit risk
- Cross-Border transactional history insights
- Creditworthiness assessment
- Affordability calculation
