AI Credit Score Consumer
The AI Credit Score Consumer provides a comprehensive assessment of the creditworthiness of private individuals, based on large amounts of data and advanced AI algorithms. With a GINI score of over 93, the score offers extremely high predictive power. Companies that use this service report an efficiency gain of up to 30% through automated decisions and a reduction in the failure rate of up to 20%.
Intrum's AI Credit Score Consumer is specifically designed to accurately assess the creditworthiness of private individuals in real time. By using advanced AI models and analysing large amounts of data, this score provides a reliable credit rating. This enables companies and financial institutions to make informed credit decisions and minimise payment defaults.
How we use artificial intelligence (AI)
Our AI credit scores are based on the LightGBM (LGBM) algorithm, a state-of-the-art machine learning model known for its efficiency and precision. LightGBM works with large amounts of data and optimises selection processes using advanced decision tree methods. This enables us to carry out credit assessments in real time, while minimising calculation time and maximising prediction accuracy. This use of artificial intelligence allows us to deliver fast, scalable and accurate credit assessments that help our customers make better decisions.
Key features
- Precise prediction: the AI Credit Score Consumer provides an accurate assessment of creditworthiness based on a wide range of relevant data, such as payment history, existing debts and income.
- Real-time updates: The scores are continuously updated using the latest data sources to always provide the most up-to-date information.
- Real-time updates: The scores are continuously updated using the latest data sources to always provide the most up-to-date information.
- Automated processes: Ideal for companies that want to automate credit decisions and optimise their internal processes.
Technical details
The AI Credit Score Consumer provides a comprehensive assessment of the creditworthiness of private individuals. It analyses payment behaviour to enable a well-founded risk assessment. It is particularly suitable for banks, financial service providers and companies that depend on fast and precise credit assessment.
KPIs and benefits
- GINI score of over 93: high prediction accuracy that enables reliable assessments.
- Reducing the failure rate by up to 20%: through informed, AI-supported decisions.
- Efficiency gains of up to 30%: automating credit decisions ensures faster processing times.
Integration and access
Easily accessible through an API or Intrum's web portal, the AI Credit Score Consumer can be seamlessly integrated into your existing systems. You will always have access to up-to-date credit ratings and be able to react quickly to your customers' changing financial situations.
The AI Credit Score Consumer makes it possible to make credit decisions faster while significantly reducing the risk of payment defaults.Lars Blankenhorn, Senior Partner- & Sales Development Manager
