2024: A new kind of creditworthiness score.
In 2024 we brought to market the first creditworthiness score to combine comprehensive credit reporting with bank statement information.
Traditional credit scores are built largely on bureau data, and they inherit its blind spots: thin files, stale information and blunt proxies that can decline good customers. We thought a score should reflect how someone actually manages money.
So we built one from the ground up on both bank statement and bureau data. By reading real financial behaviour alongside credit history, the score gives a clearer, more current read on creditworthiness, purpose-built for modern, automated decisions rather than retro-fitted onto a legacy model.
It was a first for the Australian market, and it remains the core of how we help lenders approve more good customers with confidence.