23% less default at the same volume

When you base lending on who people are

By examining a customer’s financial personality, motivations and outlook on life, we can help you make the right lending decisions more of the time. With improved decision accuracy and default predictions you can increase profitability and minimise losses.


Works with

Bureau data

Model can be used alongside existing bureau data


Scoring is agnostic of credit bureau existence.

The science

Physical people as digital data

Using the latest psychological research, VisualDNA has developed a methodology which accurately depicts a physical person as digital data by assessing personality, values and attitudes. That enables us to predict specific financial behaviours on the basis of scientifically valid measures and psychological constructs both based on solid models; such as the Big Five model of personality.

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The proof

Real time scoring to increase your volume at no extra risk

Bureau case study


  • 14,213 profiled users


  • 0.53 Gini for default prediction on entire population
  • 4 point uplift combining with bureau score

High street bank


  • Real-time scoring at point of application
  • 50% voluntary take-up with 82% complete rate
  • 3,089 profiled users


  • 0.45 standalone Gini for thin file population
  • 23% reduction in default rate at same volume of business

Get in touch today

Speak with one of our Credit and Risk specialists who will take you through our solutions and show you how to improve your risk decisions today.


0207 033 4700