CREDBRAINE
Powering Credit

FinBraine’s CREDBRAINE – A Next-gen Digital Lending Platform

Credit score evaluates potential risk when lending money or offering credit. The credit decision engine powered by AI/ML capabilities improves credit quality and acceptance rates.

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Loan applications
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CredBraine is a next-gen digital lending platform based on AI, Data Analytics, and Scoring Algorithms for a credit decision engine that helps banks, telecoms, Wallet Service Providers, and consumer lenders improve credit quality and acceptance rates. The solution leverages big data for offering Micro-Credit/automated lending or loan origination services.

Scroll down to know how CredBraine makes lending and credit intelligent

AI Score Card

Creates Score Card using Artificial Intelligence for every industry

Intelligent Lending

Automated onboarding, credit scoring, contracting and data collection.

Loan Origination

End-to-end customer on-boarding, loan processing and credit decision system

Loan Servicing

Automated loan servicing of any kind for lending
business

Loan Collection

Tracking and following up with debtors, predicting and prioritizing debt recovery

Digitized Lending and Credit

Intelligent lending

Smart Credit

CREDBRAINE Scoring METRICS

Telecom data has good correlation with credit risk estimation of future’s possible default

Subscription (profile, duration, products, bundling)
Usage (call pattern, mobile device, P2P/micro payments, device installment)
Billing (prepaid top-up pattern, VAS services, top-up credit, postpaid overdue, suspension & recovery)

Data available through smart phones based on browsing history and personality analysis help in determining social score

Demographics Data
Content Data
Network Data
SMS Messages

Some of the factors affecting credit include late payments, oldest accounts, credit usage, hard enquiries, total balance and available credit.

Wallet or Mobile Money
Banks/MFI
Credit Bureau

E-commerce
Purchase History
POS Transactions
Merchant Payments

Field Verification and Validation
Face Match & Liveness Detection

Utilities Data usage– Energy, Gas
Asset Data – Ownership, Rental
Employment – Income / Salary

Telecom data has good correlation with credit risk estimation of possible default in the future

Subscription (profile, duration, products, bundling)
Usage (call pattern, mobile device, P2P/micro payments, device installment)
Billing (prepaid top-up pattern, VAS services, top-up credit, postpaid overdue, suspension & recovery)
Other (location, overseas roaming, VOC pattern, financial app downloads)

Data available through smart phones based on browsing history and personality analysis help in determining social score

Demographics Data
Content Data
Network Data
SMS Messages

Some of the factors affecting credit include late payments, oldest accounts, credit usage, hard enquiries, total balance and available credit

Wallet or Mobile Money
Banks/MFI
Credit Bureau

Transaction Score is calculated based on purchases made on different channels

E-commerce
Purchase History
POS Transactions
Merchant Payments

Score that is calculated based on how well the customer can be identified and verified

Field Verification and Validation
Face Match & Liveness Detection

What do you own and how much you earn governs your Info Score which is calculated based on your earnings and utility expenses

Utilities Data usage– Energy, Gas
Asset Data – Ownership, Rental
Employment – Income / Salary

CREDBRAINE Scoring process

Telecom Score:

Telecom data has good correlation with credit risk estimation of future’s possible default

Subscription (profile, duration, products, bundling)
Usage (call pattern, mobile device, P2P/micro payments, device installment)
Billing (prepaid top-up pattern, VAS services, top-up credit, postpaid overdue, suspension & recovery)

Social Score:

Data available through smart phones based on browsing history and personality analysis help in determining social score