Smart Credit Assessment
Credit Scoring API
Credit Scoring API
Credit Scoring API
With our credit scoring API, score loan applicants effortlessly with hosted and customizable credit scoring models. Offer financing to unbanked individuals who meet your risk requirements assessed via alternative data sources.
With our credit scoring API, score loan applicants effortlessly with hosted and customizable credit scoring models. Offer financing to unbanked individuals who meet your risk requirements assessed via alternative data sources.
With our credit scoring API, score loan applicants effortlessly with hosted and customizable credit scoring models. Offer financing to unbanked individuals who meet your risk requirements assessed via alternative data sources.
Robust Credit Scoring
Robust Credit Scoring
Robust Credit Scoring
Leverage the power of alternative data for credit scoring
Leverage the power of alternative data for credit scoring
Leverage the power of alternative data for credit scoring
Genify’s credit scoring model and system uses both traditional and alternative data sources to produce a comprehensive scorecard, while its credit monitoring API adheres to the risk appetite, so the unbanked or underbanked are not left out.
Genify’s credit scoring model and system uses both traditional and alternative data sources to produce a comprehensive scorecard, while its credit monitoring API adheres to the risk appetite, so the unbanked or underbanked are not left out.
Genify’s credit scoring model and system uses both traditional and alternative data sources to produce a comprehensive scorecard, while its credit monitoring API adheres to the risk appetite, so the unbanked or underbanked are not left out.
Digital Footprint Credit Scorecard
Enhance your borrowers’ credit check reliability with alternative data, including digital footprint and behavioral information gathered from smartphones and online platforms like e-commerce and ride-hailing.
Digital Footprint Credit Scorecard
Enhance your borrowers’ credit check reliability with alternative data, including digital footprint and behavioral information gathered from smartphones and online platforms like e-commerce and ride-hailing.
Digital Footprint Credit Scorecard
Enhance your borrowers’ credit check reliability with alternative data, including digital footprint and behavioral information gathered from smartphones and online platforms like e-commerce and ride-hailing.
Digital Footprint Credit Scorecard
Enhance your borrowers’ credit check reliability with alternative data, including digital footprint and behavioral information gathered from smartphones and online platforms like e-commerce and ride-hailing.
Tailored Risk Profile
Set a 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 via Genify’s API.
Tailored Risk Profile
Set a 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 via Genify’s API.
Tailored Risk Profile
Set a 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 via Genify’s API.
Tailored Risk Profile
Set a 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 via Genify’s API.
Credit Scorecard Dashboard
Review applicant profiles and scorecards one by one in our intuitive dashboard, for edge cases manual override or spot checks to the scoring model.
Credit Scorecard Dashboard
Review applicant profiles and scorecards one by one in our intuitive dashboard, for edge cases manual override or spot checks to the scoring model.
Credit Scorecard Dashboard
Review applicant profiles and scorecards one by one in our intuitive dashboard, for edge cases manual override or spot checks to the scoring model.
Credit Scorecard Dashboard
Review applicant profiles and scorecards one by one in our intuitive dashboard, for edge cases manual override or spot checks to the scoring model.
Features
Features
Machine Learning-Based
Running with multiple machine learning models at its core.
Machine Learning-Based
Running with multiple machine learning models at its core.
Machine Learning-Based
Running with multiple machine learning models at its core.
Customizable
Digital scorecards tailored to your specific risk profile metrics.
Customizable
Digital scorecards tailored to your specific risk profile metrics.
Customizable
Digital scorecards tailored to your specific risk profile metrics.
Real-Time
Instant loan approval or refusal based on your specified risk appetite.
Real-Time
Instant loan approval or refusal based on your specified risk appetite.
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.
Low-to-No Data Requirements
Ready to use with your data on day 1 thanks to pre-trained models.
Low-to-No Data Requirements
Ready to use with your data on day 1 thanks to pre-trained models.
Grow your share of wallet thanks to Genify’s enriched transaction data
Grow your share of wallet thanks to Genify’s enriched transaction data
Instant Loan Approval
Leverage the power of transactional data for underwriting.
Instant Loan Approval
Leverage the power of transactional data for underwriting.
Instant Loan Approval
Leverage the power of transactional data for underwriting.
Instant Loan Approval
Leverage the power of transactional data for underwriting.
Alternative Data Provision
Employ digital footprints, geolocation insights & smartphone behavioral data to assess creditworthiness.
Alternative Data Provision
Employ digital footprints, geolocation insights & smartphone behavioral data to assess creditworthiness.
Alternative Data Provision
Employ digital footprints, geolocation insights & smartphone behavioral data to assess creditworthiness.
Alternative Data Provision
Employ digital footprints, geolocation insights & smartphone behavioral data to assess creditworthiness.
Credit Decisioning Automation
Encode your business rules and decision trees for automated lending decisioning.
Credit Decisioning Automation
Encode your business rules and decision trees for automated lending decisioning.
Credit Decisioning Automation
Encode your business rules and decision trees for automated lending decisioning.
Credit Decisioning Automation
Encode your business rules and decision trees for automated lending decisioning.
Insights
Why Genify?
Your partner to unlock value in transaction data
Ease of Integration
Via a vast, well-documented set of API endpoints
On Premises or Cloud
Our API runs on your premises or in the cloud, thanks to a hybrid build since Day 1
Home
Card
Profile
Transaction
Total balance
$42,295.00 USD
Toni Kross
Good Morning
$300 Budgeted
Shopping Online
$230
$400 Budgeted
Groceries
$201
$400 Budgeted
Food & Drink
$201
$120 Budgeted
Beauty
$40
$120 Budgeted
Health
$10
ISO 27001
Our servers are ISO 27001 certified, and our data usage is compliant with GDPR
Continuous Upgrades
Your subscription gives access to new features, sourced directly from our existing users
Insights
Why Genify?
Your partner to unlock value in transaction data
Ease of Integration
Via a vast, well-documented set of API endpoints
On Premises or Cloud
Our API runs on your premises or in the cloud, thanks to a hybrid build since Day 1
ISO 27001
Our servers are ISO 27001 certified, and our data usage is compliant with GDPR
Continuous Upgrades
Your subscription gives access to new features, sourced directly from our existing users
Insights
Why Genify?
Your partner to unlock value in transaction data
Ease of Integration
Via a vast, well-documented set of API endpoints
On Premises or Cloud
Our API runs on your premises or in the cloud, thanks to a hybrid build since
Day 1
ISO 27001
Our servers are ISO 27001 certified, and our data usage is compliant with GDPR
Continuous Upgrades
Your subscription gives access to new features, sourced directly from our existing users
Home
Card
Profile
Transaction
Total balance
$42,295.00 USD
Toni Kross
Good Morning
$300 Budgeted
Shopping Online
$230
$400 Budgeted
Groceries
$201
$400 Budgeted
Food & Drink
$201
$120 Budgeted
Beauty
$40
$120 Budgeted
Health
$10
Insights
Why Genify?
Your partner to unlock value in transaction data
Ease of Integration
Via a vast, well-documented set of API endpoints
On Premises or Cloud
Our API runs on your premises or in the cloud, thanks to a hybrid build since Day 1
ISO 27001
Our servers are ISO 27001 certified, and our data usage is compliant with GDPR
Continuous Upgrades
Your subscription gives access to new features, sourced directly from our existing users
How Does the Credit Scoring API Work?
How Does the Credit Scoring API Work?
{
"Transaction UUID": "2c58685b-d2d5-48a8-9374-50e64cba92ac",
"Merchant ID": "00005af3107a89ac",
"Category ID": "2003",
"Category Name": "Furniture",
"Subcategory Name": "Furniture store",
"Clean Description": "Home Box",
"Country": "UNITED ARAB EMIRATES",
"Logo": "https://pfm.genify.ai/api/v1.0/txn-data/logo/home_box_round.png",
"Merchant Website": "https://www.homeboxstores.com",
"Display Description": "Home Box"
}Credit Scoring API
Our API lets you collect relevant data points from your users' phone and apply your credit decisioning policy.
Experience Enhanced Data Insights – Try for Free
Enrich your data with fields like category, merchant logo, merchant name, website, and sustainability metrics. Try it now – it's free and easy to integrate.
Experience Enhanced Data Insights – Try for Free
Enrich your data with fields like category, merchant logo, merchant name, website, and sustainability metrics. Try it now – it's free and easy to integrate.
Experience Enhanced Data Insights – Try for Free
Enrich your data with fields like category, merchant logo, merchant name, website, and sustainability metrics. Try it now – it's free and easy to integrate.
Experience Enhanced Data Insights – Try for Free
Enrich your data with fields like category, merchant logo, merchant name, website, and sustainability metrics. Try it now – it's free and easy to integrate.
Genify AI Technologies LTD is registered in the UAE at ADGM, with license 000007634.
Privacy Policy
·
Terms of Conditions
Genify AI Technologies LTD. All rights reserved.
Genify AI Technologies LTD is registered in the UAE at ADGM, with license 000007634.
Privacy Policy
·
Terms of Conditions
Genify AI Technologies LTD. All rights reserved.
Genify AI Technologies LTD is registered in the UAE at ADGM, with license 000007634.
Privacy Policy
·
Terms of Conditions
Genify AI Technologies LTD. All rights reserved.
Genify AI Technologies LTD is registered in the UAE at ADGM, with license 000007634.
Privacy Policy
·
Terms of Conditions
Genify AI Technologies LTD. All rights reserved.