Advanced scoring for segmentation and decision-making

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Scoring

Optimize risk decision-making and credit granting

Scoring is a solution designed to improve risk assessment in the consumer credit granting process

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It combines mobility and behavioral data, providing probabilistic indicators that complement traditional banking system data. By integrating Telefónica's data with the client's own, Scoring enables a more accurate evaluation of customers, improving risk decision-making and increasing the effectiveness of credit offers.

Scoring models such as the Telefónica Standard Score and Telefónica Customized Score allow for personalized analysis based on the client's needs.

Ideal for insurers, traditional banks, and digital lenders, Scoring optimizes business performance, allowing companies to improve risk management and maximize credit opportunities with a highly available solution that is easy to integrate via API.

OUR VALUE PROPOSITION

Our service

Scoring enhances risk assessment in consumer credit granting by combining mobility data with the client’s internal data to provide a more accurate analysis. Our solution provides access to real-time credit scores, facilitating risk decision-making and optimizing credit offers.

What does it allow?

Access to customer scores via secure REST HTTPS API.
High service availability.
High capacity and low latency for real-time decision-making.

BENEFITS FOR YOUR ORGANISATION

Improved risk assessment

Provides a new data source that enhances the ability to assess customer risk, reducing the likelihood of defaults.

Ease of integration

The solution integrates easily into existing systems, enabling faster and more accurate evaluation.

Better credit terms

Optimizes personalized credit offers, tailored to the customer’s profile and behavior.

OUR DIFFERENTIAL VALUE

It incorporates mobility and behavioral data from Telefónica's network, offering an additional data source that complements traditional models.
It allows companies to increase the number of credits granted, improving the consumer credit business.