INDIVIDUAL CREDITWORTHINESS ASSESSMENT PLATFORM
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- POC
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- INDIVIDUAL CREDITWORTHINESS ASSESSMENT PLATFORM
The aim of the experiment is to create a classification engine able to predict the performance of each applicant (good/bad) that will be included in the outcome of our existing offering. Instead of a using a single fine-tuned model, the solution combines various machine learning techniques in succession to produce the most accurate predictions.
Start date: 05/01/2021
Duration in months: 9
Problem Description
Develop a universal pan-European creditworthiness & affordability score
Goals
New services
Challenges
Develop a new creditworthiness & affordability assessment paradigm based on transactions & spending behavior since not everyone has a credit product.
Innovation results
The offer enables the user to better understand his financial situation, to improve his chances to get the financial product he is looking for and the one that better matches his financial capabilities.
Business impact
confidential