Approve more good customers, with data you can trust.
Whatever credit products you provide, TaleFin gives consumer lenders sharper insights and score-based automation, so you lift conversion, reduce arrears, and decide with confidence.
Legacy bureaus weren't built for modern consumer lending.
Thin files, slow data and blunt scoring mean good applicants get declined and risk slips through, while costs stay high and flexibility stays low.
Thin files & declined good customers
Traditional scores struggle with limited credit history, so you turn away applicants who would have performed well.
Slow, unreliable data
Dropped bank connections and lag create friction in the application journey and inconsistent outcomes.
Blunt scoring
Generic variables discriminate by segment and penalise shopping around, fuelling AFCA complaints and missed approvals.
A modern decisioning layer for consumer credit.
Better data
More specific transaction classification and sharper metrics, including a score built from the ground up on bank statement and bureau data, for a decision-ready view of every applicant, thin file or not.
Greater automation
Score-based auto-approval and auto-decline, reliable connectivity with no long-term bank disconnections, and A/B testing to optimise decision flows by product and segment.
Fairer, compliant outcomes
Nuanced variables instead of postcodes, no penalty for shopping around, and metrics designed to support responsible-lending obligations, reducing AFCA complaints along the way.