Cross-border credit scoring, and fair risk profiles for lenders to accurately assess creditworthiness based on up-to-date information

At goscore, we're passionate about financial inclusion. We achieve this through cross- border credit scoring, fair risk profiles, and a portable financial history that moves from country to country with you. Using partners' and Open Banking data, ML and AI, we help banks and credit providers to get more responsible borrowers (+21%) while reducing risk (-49%) at the same time Unlike other credit reference agencies, who rely on outdated tax reports, we leverage up-to- date transactional data to build a real-time comprehensive financial profile. By analyzing the consumers’ financial behavior, we help creditors see not only “can” consumers repay a loan, but “will” they do that. Benefits: -commitment to SDGs (1,3,5,8) -profitable responsible lending -onboarding conversion +50% -payment default -49% -approve/cherry-pick +21% sustainable customers -meet strict government regulations -build more profitable customer relationships and provide a financial check-up for customers