Attributes
Reach new levels of predictive power.
Enhance accuracy of your risk models using transaction data.
Predict default rates
in seconds.
Predict default rates in seconds.
Income
Consistent
29
Flexible
57
Unemployment
2
Impact
Ability to repay
Cashflow
Impact
Ability to repay
Balances
Impact
Financial buffers
Loan
activity
Traditional
367
Alternative
254
Total
60
Impact
Financial savviness
& attitudes
Financial
activity
Insurance
60
Investing
75
Loan spending
29
MoneyTransfer
148
Fees
332
Taxes
5
Debt resolution
60
Other
108
Impact
Willingness to repay
User
profile
History
1
Holdings
2
Transactions
9
Geography
20
Impact
Identity
Household
expenditure
Food
23
Warehouse
18
Telecom
120
Utilities
60
Ecommerce
18
Donations
18
Entertainment
76
Impact
Ability to repay
data set
AI insights at scale.
Trained on over 20 million transactions covering a variety of consumer segments for a range of different risk outcomes.
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k-score
Unparalleled predictive power.
Understand your subprime, new-to-credit & under-served segments better.
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Quality
Fair Lending.
FCRA & ECOA compliant attributes which alleviate issue of disparate lending.
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Todd Rice
Founder & CEO at New Credit America