Incorporate cutting-edge technology into your system and become an industry leader. We focus on advanced data analytics that allows you to enrich your traditional scoring systems and better assess risk in the face of information shortages with the highest accuracy.
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The Challenge
Financial Exclusion of Young and the Unbanked People
A part of our population, including young individuals and unbanked people, are excluded from financial services due to a lack of credit scoring data.
No Behavioral Data Analysis
Credit scoring data is a vague and inappropriate measure of creditworthiness as it does not allow for customers’ characteristics, interests, and past behavior.
Ineffective Risk Management
Outdated credit scoring systems are flawed and cause inefficient risk analysis.
Lack of Innovation
Insufficient use of recent technological advancements in the finance industry slows the pace of improvements.
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The Solution
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Braight technologies has built a behavioral scoring that leverages external and internal databases to perform complex analyses and predict the future behavior of each customer.
Multi-criteria analysis is done through artificial intelligence. It classifies data into clusters and then identifies individual traits, future behavior, and creditworthiness with the highest accuracy.
The use of such a tool allows for a fully automated process of assessing the creditworthiness of each customer. It happens regardless of whether they have a history of repayment or are applying for a loan for the first time.
The Result
REDUCTION OF CREDIT RISK
Through data enrichment and advanced analytics
IMPROVEMENT OF KYC POLICY
Through deep insights into customers’ behaviour
INCREASED PROFITS
Because of a lower default rate
EVALUATION OF EACH CUSTOMER
Regardless of their credit history and fixed income