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
Standalone
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
Scale
- 14,213 profiled users
Results
- 0.53 Gini for default prediction on entire population
- 4 point uplift combining with bureau score
High street bank
Scale
- Real-time scoring at point of application
- 50% voluntary take-up with 82% complete rate
- 3,089 profiled users
Results
- 0.45 standalone Gini for thin file population
- 23% reduction in default rate at same volume of business