aSCORE® - Optimized customer acquisition and retention.
Powering Inclusive lending for GROWTH
USE ASCORE® TO IDENTIFY MORE LOW-RISK CUSTOMERS
SEC data: includes Lending Club, Marlette, Prosper, SoFi
By utilizing aSCORE®’s predictive and prescriptive intelligence for assessing default risk, financial institutions can promote financial inclusion, remove biases/discrepancies when underwriting, increase opportunities, and expand their addressable market without taking incremental risk.
BETTER SERVE CONSUMERS:
Lend to more low-risk borrowers who would otherwise be incorrectly excluded or mispriced
Offer optimized products and better pricing to targeted customers, including proactively on a pre-approved basis
Reduce rejection rates and negative customer experiences
BETTER SERVE PARTNERS:
Capture 100% incremental revenue by cross-selling the best latent customers that you already have, and delivering new pre-approved customers to your digital landing page
Increase NIMs and ROAs leveraging the full predictive power of data and optimized machine learning algorithms (Aliya’s aCRS platform)
Minimize technology lift with integrated ongoing support
Delivering Proven Results
$3.5+
Loans Originated
200K
Customers SERVED
8%
RISK ADJUSTED NET MARGIN
4X
EXPANDED MARKET
36 months prior to 5/1/20
HOW IT WORKS:
— 01
Customer applies for loan on Bank’s existing platform.
OR Bank wants to determine whether an existing Customer or new lead qualifies for a loan.
— 02
Bank or Credit Bureau calls aSCORE® engine via secure API protocols.
— 03
aSCORE model runs on anonymized credit data to generate and return the aSCORE®, plus sizing and pricing recommendation.
– 04
Bank’s Credit Policy applied to aSCORE® to generate a personalized loan offer, displayed within existing work flow.