Financial Behaviour Analysis is an extra data source for your scoring models based on hard data – transaction history.
We provide more context to the data. Thanks to machine learning our Financial Behaviour Analysis can help to predict whether your potential customers would repay the loan or not.
Our engineers prepared and tested over 1.2 million+ of distinct features like: recent changes in spending behaviour, likelihood of loans being spent on risky financial behaviour e.g. gambling, undocumented & informal income, increase in frivolous spending, loan loops detection and many others.
Digitalize customer journey and enhance new customer scoring & profiling.
Kontomatik provides you the most fitting set of features, scores, percentiles and tiers, that you can add as extra data points in your scoring model and observe the uplift on your scoring model performance.
Depending on process you have, Financial Behaviour can be applied to your credit scoring model as additional guidelines or input features in your statistical models.
A platform that facilitates choice, simplicity and performance. All this is backed by caring expert support so that you stay focused on what you do best, win as an individual and succeed as a business.
Number of successful imports
Talk to our experts today to help find the right solution for unleashing your bank's potential.