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Fast Scoring
Leverage the innovative scoring model developed by Fabrick, based on PSD2 data and AI, to obtain a faster, more accurate and inclusive credit rating. This way you can optimize approval rates and improve customer experience.
Credit based on the customer lifestyle
Traditional creditworthiness analysis is strongly based on the evaluation of negative elements, such as late payment, arrears and defaults.
By providing detailed and multi-bank financial information on transactions carried out by customers, Open Finance allows for a richer and more complete information asset to evaluate their solvency, designing their lifestyles and capturing risk relationships that are currently precluded.
How it works
Multi-bank PSD2 transactional data is acquired by Fabrick via API and is categorized. Then, this data is enriched through artificial intelligence algorithms and given to our predictive models, which carry out an automated analysis of a customer’s spending behavior and return an instant scoring, associated with a maximum sustainable loan rate.
