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Scoring Insights

Scoring Insights product suite allows to calculate the probability of a customer to default on a loan, based on patterns identified in the transaction data.

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Credit scores

Built from transaction data, credit scores are proven to be highly predictive and stable over time. Credit scores can be tailored for optimising both approval rates and default rates.

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Modelling features

Varying from simple representations to vastly complex ones, all features are standardised across all geographies and can be easily applied. More than 2,000 predictive features available.

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Decision rules

Decision rules are already optimized feature application for specific geographies and lending products. Convenient for identifying specific customer groups, based on their probability to default.

Harness the power of predictive analytics

Scoring insights can be used as standalone scores or a supplementary input for internal scoring models.

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Coverage

Nordigen engine is calibrated for multiple countries in Europe, Australia, Americas, Asia, and Africa. To learn more about coverage in specific countries, please contact our team!

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Coverage

See how our customers are using Nordigen.

Cheq fosters responsible lending in Australia

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Coop Pank increased its underwriting efficiency by 65% with Nordigen

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Consumer lender Creditstar achieves 19% approval rate increase

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IPF Digital increase approval rate by 15% with Nordigen income verification engine

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TF Bank increased lending efficiency in Latvia by 30% with Nordigen

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Citadele bank increases new loan volume by using Nordigen

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Nordigen helps IPF Digital tackle loan application fraud with greater efficiency

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Nordigen has helped European lender Creditstar achieve an 8.4 percentage point GINI improvement in Poland

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TF Bank accurately identifies up to 35% more high-risk loan applicants in Latvia with Nordigen

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Nordigen has helped European lender Creditstar achieve a 5.6 percentage point GINI improvement in Spain

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Nordigen has helped European consumer lender Novum Bank achieve a 14 percentage point GINI improvement in Spain

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Bigbank improves bank statement analysis speed 100x

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