Affordability
Scoring
Use AI technology to analyze real-time transactional data and assess a customer's loan affordability for better lending decisions.
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Streamlined Loan Affordability Analysis
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AI-Enhanced Customer Insight and Analytics
Segmentation
Lending Recommendation
Explainability
Continue to Elevate Your Decision-Making with Other Products
Smarter Lending, Safer Finance
Reduce Default Rates Regulations Faster
Use Income Shock & Stability Metrics to avoid lending to risky borrowers.
Skip the Manual Application Process
Automated data analysis can speed up loan applications and eliminate human errors.
Improved Assessments
Alternative data enables better loan assessments for self-employed individuals and those with limited credit history.
Promote Financial Inclusion
Use alternative financial data and AI to expand financial inclusion and access untapped market segments.
Frequently asked questions
How does Affordability Score work?
Once your data has been enriched our AI technology will recognize key indicators with the data to determine a numerical rating that assesses a customer's ability to afford a loan based on their transactional data. Read more about Affordability Score here
Can I hand pick specific products?
Yes, FOCAL customizable platform capabilities enables a tailored Financial Data and Credit Risk solution to our client’s unique needs and risk profiles. Allowing you to select what products and features they need.
My data is already enriched, can I still use just the affordability product?
Yes, any of FOCAL products can be used separately if the existing infrastructure can support it.
How can I integrate?
We understand the complexity of different organization’s goals, timelines and infrastructure. Hence FOCAL is built around the concept of adaptability. Choose what works best for you, integrate our technology through API or adopt our user friendly UI for instant functionality.
Why are customer insights important for my business?
Customer insights enable businesses to make data-driven decisions. By deeply understanding your customers you can ensure successful loan allocations. Minimizing losses and increasing lending profitability. Spearheading rapid growth for your business.
Is FOCAL compliant with industry regulations?
Absolutely, FOCAL is designed to adhere to industry standards and regulatory requirements, helping you maintain compliance and avoid potential legal repercussions.
Empower Decisions and Drive Growth with An Enhanced Understanding
needs and make more informed decisions to fuel strategic growth.
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