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Let’s talk about your needs – we’ll help you map the right solution, then guide you through a fast, API-ready trial to prove results.
Whether it’s BNPL, credit cards, cash loans or P2P, our models adapt to your specific lending use case and risk appetite. TrustDecision provides flexible collaboration options:
Our credit scoring blends telco usage, digital footprint, device intelligence, and behavioral patterns—delivering deeper risk visibility where traditional bureau data falls short.
Speed up approvals with millisecond-level scoring APIs built for mobile-first lenders. Reduce manual reviews, onboard faster, and cut time-to-yes.
We track repayment patterns, credit line activity, and behavioral shifts to update scores in real time—supporting mid-loan risk assessments, early warnings, and credit line adjustments.
We use a combination of demographic information, credit bureau records, device insights, telecom data, repayment history, and account activity to generate accurate and reliable credit scores.
We use a combination of traditional and advanced machine learning algorithms to ensure accuracy and adaptability in credit scoring and risk decisions. These include:
We adopt a “champion–challenger” model, where traffic is split (e.g., 90%/10%) between the existing strategy (champion) and the new rule (challenger). After running for a period, we compare key metrics such as approval rate, default rate, profitability, and changes in customer distribution. If the challenger delivers higher approval or profit under controllable risk, it can be rolled out fully.
We place a strong emphasis on explainability. Each score comes with clear reason codes and adverse action explanations, so clients can understand the factors driving approvals or declines. This not only helps meet regulatory requirements but also provides customers with greater transparency, reinforcing fairness and trust in the decision process.
Integration is designed to be flexible and seamless. Our solution supports real-time API calls, on-premise and cloud deployment. It is optimized for low latency, high scalability, and compatibility with existing loan origination and core banking systems, enabling clients to embed credit scoring into their workflows without major infrastructure changes.
Detects behavioral anomalies by analyzing multi-source data and uncovering hidden risk signals
Recommends and refines decision strategies by mining features, testing variables, and adapting to evolving scenarios
Accelerates rule configuration, test validation, and model deployment through intelligent task automation
Automatically interprets and summarizes key insights from complex reports to streamline decision-making and reviews
Detects behavioral anomalies by analyzing multi-source data and uncovering hidden risk signals
Let’s talk about your needs – we’ll help you map the right solution, then guide you through a fast, API-ready trial to prove results.
