F I N O S

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Our Credit Scoring Engine has been proven to outperform demographic-based model by more than 30%

Traditional Credit Scoring

DATA SOURCE

• Credit information is mostly captured by lenders and/or credit bureaus.

DATA COVERAGE

• Only individuals who have loan information with their financial institutions.

DATA FREQUENCY

• Infrequent update - usually monthly (at least 3 days).

RECOMMENDATIONS

• Mainly based on fixed rules.

FinOS Credit Scoring

DATA SOURCE

High-frequency data from mobile and web usage, telcos and handsets.

DATA COVERAGE

All individuals with or without existing financial information.

DATA FREQUENCY

Real-time streaming data (e.g. Mobile and web usage).

RECOMMENDATIONS

Predictive learned from historical data and patterns, changes with minimal human intervention.

Partnership Benefits

We are currently looking for both financial institutions and ecosystem players (product distributors) to partner with us and/or to join our network and to jointly revolutionize the financial industry

FinOS is a FinTech company established by Allianz SE to provide technology solutions that power digital financial products & services across Southeast Asia

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