Better Credit Decisions with AI

Higher accuracy AI-powered scorecards to assess & approve credit applications in real time

What is ZScore?

A full scale end-to-end solution to help you refine your approach to credit risk. With ZScore, a single click deployment enables you to wield the power of AI to develop high-performance credit scorecards across the entire credit lifecycle, within hours and days.

Drive Business Growth

With faster, more accurate credit decisions

• Recalibrate scorecards on demand
• Process customer applications in less than 2 seconds
• Drive more sales with real-time counter-offers for rejected applications

Reduce Credit Losses

By evaluating and predicting the early detection of high risk customers

• Detect and manage high-risk cases before they default 
• Instantly review existing accounts against your latest scorecards
• Proactively manage credit risk on active accounts

Manage Accounts Efficiently

Through boosting debt collection and recovery rates

• Catch severe cases right from DPD 1
• Higher accuracy in predicting write-off risk for each delinquent account
• Prioritise debtors and set the right contact channel for more effective collections

How ZScore Works

With embedded AI capabilities, ZScore is inherently self-sufficient to learn, adapt, and improve with the micro & macro changes to the business environment.

Real-time solutions

Process loan applications in real time to deliver enhanced customer experience.

Plug & Play

Advanced architectural design with APIs enables integration with existing technologies. Rapid implementation & deployment.

AI-backed accuracy

Advanced ML algorithms with robust test, train & validation of models​


Generates counter-offers for rejected applicants. Never lose a client.

Full credit cycle

Scorecards for the entire customer credit lifecycle. Complete credit management in one place. 

High return investment

Attractive subscription-based pricing model. Priced for even the smallest FIs. is Supported By

Experience ZScore

Contact us for a live product demo.

✔️ Secured sandbox to try
✔️ See instant results
✔️ All your questions answered

Contact Us

We would love to hear from you. Whether you wish to see the products in action or ask us how we can help you become AI-first, let us know and we will get back to you within a business day.