Approve more good customers, with a fuller credit picture.
See how an applicant really manages money, not just a thin bureau file. Smart Score Pro™ combines real bank statement behaviour with bureau data for a current, comprehensive view, so you can confidently approve more good customers, including those a traditional credit file would miss.
Most lenders only ever see half the story.
Comprehensive credit reporting is built on reciprocity, and the principle is fair: contribute your data and you can use it in return. The problem is the application. The framework around it, the PRDE, adds tiered rules and onboarding requirements that make comprehensive data slow, costly and cumbersome to supply and use, which keeps many lenders, especially smaller or newer ones, on the sidelines. TaleFin takes a different route, giving you comprehensive-grade depth without that complexity. Learn how credit reporting works.
A fuller picture
Smart Score Pro™ reads real bank statement behaviour alongside bureau data, for a current, complete view of how an applicant manages money.
Reach more good customers
Approve creditworthy applicants a thin bureau file would decline, including new-to-credit and thin-file customers.
Decision-ready
Auto-approve and auto-decline on a clear, current view of creditworthiness, and tune the model to your products with A/B testing.