Credit Scoring API | Credit Score Data API

Insights

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Your partner to unlock value in transaction data

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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

Use Cases

Drive smarter decisions using Genify’s Credit Scoring API

Instant Loan Approval

Leverage the power of transactional data for underwriting.

Alternative Data Provision

Leverage the power of transactional data for swift underwriting.

Credit Decisioning Automation

Encode your business rules and decision trees for automated lending decisioning.

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.

Smart Credit Assessment

Credit Scoring API

With our credit scoring API, score 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.

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Robust 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.

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.

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.

Use Cases

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.

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Genify AI Technologies is registered in the UAE at ADGM, with license 000007634.

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