Credit Scoring

Machine learning models incorporate hundreds of data points beyond traditional credit bureau data. Cash flow analysis assesses creditworthiness from bank transaction patterns. Open banking APIs access real-time financial data for scoring. Explainable AI provides reasons for credit decisions as required by law.

Cash flow-based scoring enables lending to self-employed and gig workers. Rent payment reporting builds credit history for renters. International credit scoring helps immigrants establish US credit. Real-time credit monitoring updates scores based on current financial behavior.

Credit scoring assesses creditworthiness using traditional and alternative data. With 1 funder. AI models promise more accurate and inclusive credit assessment.