Alternative credit scoring
Enrich credit scoring with alternative data (digital behavior, open banking) for underbanked profiles.
+15%
approval rate increase
The problem
No reliable steering on alternative credit scoring.
The current process is manual or inconsistent.
Decisions come too late due to weak signals.
Credit/fraud risk is poorly anticipated.
Prerequisites: required data & tools
Required data
- Banking data
- open banking
- Data alternatives
Compatible tools
- Dataiku
- custom ML
- scoring platforms
Not sure you have the data? Our Maturity Auditor can assess your situation in two weeks.
Explore the Maturity Auditor →What we implement in 6-12 months
In 6-12 months: Enrich credit scoring with alternative data (digital behavior, open banking) for underbanked profiles. with measured impact on approval rate increase.
Weeks 1-2
Diagnosis
Weeks 3-6
Build
Week 7+
Delivery
Concrete deliverables
Business framing and decision rules for alternative credit scoring
Operational engine for alternative credit scoring
Steering dashboard with alerts
Action playbook and governance
Expert insight
Expands the pool of financeable customers. Strong focus on explainability (AI Act).
— Datasive, expertise terrain
Tech maturity
High
Mature solutions, fast deployment
Medium
Maturing tech, requires customization
Emerging
Cutting-edge innovation, R&D approach
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Governance Officer
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