Credit Scoring API

Score your loan applicants effortlessly with hosted and customizable credit scoring models. Offer financing to unbanked individuals assessed via alternative data sources and meeting your risk requirements.

Enhance your borrowers’ credit score reliability with alternative data, including digital footprint and behavioral information gathered through smartphone and online platforms like e-commerce and ride-hailing.
Set score threshold based on your risk appetite for automatic applicant acceptance and rejection, calibrate the credit scoring model to your own borrower base, and add filtering rules.
Review applicant profiles and scorecards one by one in our intuitive dashboard, for edge cases or spot checks to the scoring model.
Robust Scoring

Leverage the power of alternative data for credit scoring

Genify's credit scoring system uses both traditional and alternative data sources to produce a comprehensive scorecard, while adhering to your risk appetite, so the unbanked or underbanked are not left out.

Features

Machine Learning-based

Running with multiple machine learning models at its core

Customizable

Digital scorecards tailored to your specific risk profile metrics

Real-time

Instant loan approval or refusal based on your specified risk appetite

Low-to-no data requirements

Ready to use with your data on Day 1 thanks to pre-trained models

Genify Dashboard

Pilot your usage of our APIs, monitor user engagement and adjust model parameters to suit your needs.

Showcase

Why Genify?

Data Security

Our servers are ISO 27001 certified and we are GDPR compliant—no data goes shared without user consent.

Premises or Cloud

Our APIs run on your premises or in the cloud. Our software has been hybrid since Day 1.

Continuous Learning

Our machine learning models improve over time.


Highly Localized

Our intelligent software is language agnostic and can be localized to all your markets with little efforts.

Data Security

Our servers are ISO 27001 certified and we are GDPR compliant—no data goes shared without user consent.

Premises or Cloud

Our APIs run on your premises or in the cloud. Our software has been hybrid since Day 1.

How Does It Work?

1

Onboard Borrower

2

Specify Credit Product

3

Start testing today

Get in touch for a demo with our technical sales team, or browse our API documentation