Increase Volume. Deliver Better Customers.

From a single social media profile, we can not only predict or project a correlated Fico score with an accuracy of almost 80%, but also likelihood of default, risk attitude, patience/impatience, veracity --- that is, are they likely telling the truth on their application, and with a 71% accuracy predict if they are a Transactor, Revolver or Dormant. That is ---  will they pay off the loan early. And a lot more.
  • Dramatically lowers defaults: The ones you're saying ‘Yes’ to but should be saying ’No’ 
  • Better decisioning your turn-downs: The ones you're saying ‘No’ to but should be saying ’Yes’ 
  • Complete ocularity to the blind spot of No-file, Thin-file and Credit-challenged
                                               (patent pending)

  • Predict whether someone will likely Payoff loan early or let it fully amortize
  • Predict or project future income of a real, fixed or financial asset portfolio


                                                (patent pending)
  • Convert Application Abandons to Borrowers
  • Convert Visitors to Applicants
  • Market to them Individually NOT 'transactionally'
  • Better match their likely risk preferences with your risk tolerances.
  • Preferences + Tolerances = CONVERSIONS 

                               (patent pending)
  • 88% of applicants admit to entering incomplete of incorrect on application or registration forms (Blue Research 2014)
  • Is YOUR applicant or registrant telling the truth?
  • Are they likely trustworthy?
  • How 'Resilient' are they?
  • Will they likely bounce-back after default caused by major life events (job loss, Illness or Divorce)?
  • Perfect in Collection scenarios