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Risk analysis (scoring)

Estimate your client's capabilities in seconds to determine the risk associated with performing your services.

Check how reliable your clients are in paying off their liabilities

Risk Analysis - How does this work

How does this work?

Scoring is an assessment (on a point scale) of credibility in the repayment of the client’s liability.

Our risk analysis service uses a calculation to make an assessment about your potential client’s financial abilities. Thanks to this, you can find out if your clients have the ability to repay obligations, such as loan installments.

It’s all done by a Machine Learning-based solution, which is a mixture of statistical models trained on more than 1.5 million different features, as well as some algorithms. In the end, the solution returns a single metric. 

This method is much faster and more accurate than any human analysis. As a result, it allows you to accurately and quickly make a decision about whether to refuse or grant a loan to the potential client. 

A clear single metric

Yes, it’s that simple. We’ve managed to create score tiers based on numerical values calculated from thousands of relevant features.

Do you need more? Not only do we provide a score tier but also the score percentile. If that isn’t enough, we can also provide you with a list of specific features, their values and their importance so you can verify them for yourself or – in some cases – consider a single one separately in your decision making.

This is NOT another black box solution!

It isn’t a system that receives an input and, after some secret magic calculations, returns a mysterious value. Instead, every decision can be fully explained using advanced methods from various fields like game theory. We can produce plots, describe which features are the most important and explain why a model returned a specific score value.

A clear single metric
Get a customized experience

Get a customized experience

Our scoring model was trained using data gathered from working with many partners whose businesses might be similar to yours and we get that you want it to be perfect.

That’s why, once you start using our services, we can work with you on the data you’ve collected. We will analyze gathered transactions, repayment patterns or other indicators provided by you and then create a tailor-made model that can be adjusted to the clients you deal with every day.

Do you want to implement this service?

Fill in the form

...or reach out to our team directly

Mateusz Flis
Dominik Wolski
VP of Business

We offer much more than that

The risk analysis service isn’t the only thing you can benefit from as part of your cooperation with Kontomatik.
Check out our other solutions:

Access to account information icon

Access to account information

Get a clear picture of the financial condition of your clients to make informed decisions on working with them.

Find out more
Transaction labeling icon

Transaction labeling

Know the financial behavioral patterns of customers and identify those valuable to your company

Find out more
Identity verification icon

Identity verification

Verify the customer's identity instantly and minimize the risk of fraud.

Find out more

Frequently asked questions: