Credit scoring software estimates a borrower's ability and willingness to repay and turns policy into automatic, explainable decisions. Finsora combines rule-based policy, scorecards and AI-assisted models using bureau, open banking and application data, including for thin-file borrowers, and records the reasons for every decision so risk teams can test, monitor and adjust them.
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Credit scoring and decision engine
Knock-out rules, limits, affordability and pricing set by the risk team without code.
Classic scorecards and AI-assisted models using application, bureau and bank data.
Alternative data such as account transactions for customers with little credit history.
Simulation on past applications, champion/challenger tests and approval-rate tracking.
Reasons, inputs and model version stored with every decision.
Who it's for
Capabilities and integrations
How implementation works
Current rules, data and decision outcomes are analysed.
Rules and scorecards configured; models trained if data allows.
Decisions simulated on historical applications before go-live.
Performance tracked and rules refined over time.
Credit scoring and decision engine
It is software that applies a lender's credit policy automatically: it gathers data, runs rules and scores, and returns approve, decline or refer with reasons.
Yes. Open banking transaction data and other alternative data can support assessment of thin-file applicants.
Yes. AI systems used to evaluate the creditworthiness of natural persons are classed as high-risk under the EU AI Act; after the 2026 AI Omnibus amendment the related obligations apply from 2 December 2027. Explainability, data governance and human oversight are key requirements.
Yes. Rules, thresholds and limits are managed in the interface and can be tested before activation.
Credit scoring and decision engine
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