Instant Credit Decisioning

Add signal to approve faster, right when the customer need arises.

Combine identity data, subscriber stability, payment behavior, usage, device signals and indirect affordability to generate a score and risk indicators for new customers — especially thin-file/no-file segments.

For onboarding, pre-screening, BNPL, micro-lending, thin-file/no-file, and automated limit assignment.

The problem

When thin files and speed are the top priority

Customer files lack sufficient CIC data or internal transaction history.
Small-ticket approvals with high manual underwriting cost.
Decisions need to happen in seconds to preserve the digital experience.
Hard to distinguish good customers within the group rejected for lack of data.
Risk needs to be bounded when auto-approving or setting initial limits.

Solution components

Six components behind every approval decision

Identity & Subscriber Check

Verifies identity match, subscriber status and stability.

Fraud Safety Layer

Checks for SIM/device swaps, anomalies and risk flags before scoring.

Telco Credit Score

Aggregates behavioral groups into a score and risk band.

Coverage & Confidence

Shows how much data the score is built on.

Reason Codes

Explains the key factors that raise or lower the score.

Decision API

Returns a recommendation or raw data for the client's own policy engine to decide.

Suggested output

Example business response

Illustrates structure only — not actual values

credit_score: 300–850

risk_band: A–E

model_coverage: 0–100%

confidence: Low / Medium / High

fraud_risk_level: Low / Medium / High

top_reason_codes: 3–5 factors

recommendation: Approve / Review / Decline / Step-up

Thresholds and output labels must be configured per client policy. This site only illustrates structure — it does not disclose weights, fraud thresholds, or detailed rules.

Priority use cases

Applied across digital credit product groups

Use case	Scope	How it's used
BNPL and small loans	Small, high-frequency loans requiring a fast response.	Auto-approve low-risk segment; manual review for medium risk.
Thin-file/no-file	Customers with no credit history.	Adds a score to separate the grey zone, without fully replacing traditional data.
Pre-screening	Screens applicants before deeper underwriting.	Reduces processing cost for files with clear risk signal.
Auto-limit	Sets an initial limit by risk segment.	Combines credit score, affordability proxy and internal policy.
Pre-approval	Identifies a pre-qualified customer segment.	Builds a risk-tiered campaign list.

Suggested Pilot KPIs

Measured across five metric groups

KPI group	Metrics
Speed	Response time; automated-processing rate; time from request to decision.
Coverage	Share of customers with sufficient data; coverage by feature group; no-hit rate.
Quality	KS/Gini/AUC or uplift vs. baseline; bad rate by band; approval lift.
Business	Conversion, cost per approval, incremental approvals, disbursed limit.
Risk	NPL/DPD by cohort; fraud rate; manual-review rate.