Business Solutions


Thinking about starting a new business and wondering about current market conditions? Established in the industry and want to compare your performance with competitors? Looking for opportunities to manage your risks, increase your incomes and approach new segments? Willing to verify if there are no weak points in your processes and policies? Our scoring and analytical products will answer these and many other questions.

Protect Yourself From Fraud

Fraud Scorecard

You meet your customers every day. Some of them may not have sufficient income or they might be trying to hide some important facts but they look just like everybody else and their documents seem to be in order as well. The only difference is they already know they are never ever going to pay you back. Our fraud scoring will identify a typical profile of customers who do not intend to pay back their loans. Anticipate rather than react.

Based on industry trend data, the percentage of written-offs due to first party fraud is estimeted as: 5 – 20% in North America ; 10 – 35% in the UK ; as much as 50% in emerging markets such as Eastern Europe.

Identify Probable Default

Default Scorecard

Your customers might be fair and genuine. But how can you guess if their bad times are just around the corner? Our default scoring helps to evaluate customers’ reliability and lets you know if there is a high risk of default in the near future.

Higher uncomfirmed income indicates a higher risk. The situation changes as soon as the data gets validated (when users cannot manipulate with the input data). A similar situation is observed in various markets.

Inspire Your Marketing and Boost Your Sales

Propensity Scorecard

The reality of today’s financial world is an increased level of the competition for each good quality customer. Risk is not the only factor in profitability and scoring does not manage the risk only. Our sales & marketing score cards will let you maximize your marketing campaign performance and boost your profitability by targeting the right customers in the right time and with tailored offer. It works in the way that database of your customers is filtered in order to select those who might be in the market for a specific product in the near future. Knowing that you can contact your customers faster and offer them products they like. Make sure you do everything possible to keep your customer!

Collect More for Less

Collection Scorecard

Looking for ways to improve your collection strategies? Wondering about adequate treatments for your debtors? Our collection scoring will help you to find the best collection approach and reduce unproductive actions with great savings in time and costs. Collection scoring is a perfect tool to assist you with accurate, timely and relevant collection decisions, while maintaining the valued customer relationship and enhancing your bottom line. It is highly important to identify customers who will self-cure without any collection activities and focus on the cases where extra effort is required. Save your time and money and improve your collection efficiency by identification of the “just right” approach for all your customers.