Turn raw financial data into decision-ready evidence.
The foundation underneath every Goscore use case: consented Open Banking data, enrichment, categorisation, income and expense analysis, affordability indicators and risk features exposed through APIs and decision flows.
- Primary buyer
- Data / Risk Platform / Product
- Job to be done
- Create reliable reusable financial signals for lending workflows
- Adoption model
- Challenger · second look · API layer
Better evidence before a more consequential decision.
- 01Normalise and categorise transaction data
- 02Verify income and recurring obligations
- 03Calculate behavioural affordability and risk indicators
- 04Feed explainable features into existing scorecards and workflows
Gathered during pilot implementations and production lending use cases. Figures are specific to those portfolios and policies; results vary by lender, policy and implementation.
Prove the outcome before changing production.
Replay
Run a representative historical portfolio through Goscore.
Compare
Measure incremental information, decision changes and realised outcomes.
Define
Choose the narrow segment where Goscore adds measurable value.
Integrate
Deploy as a challenger or additional decision layer with clear governance.
Do not buy the claim. Test the portfolio.
The first commercial objective is not a transformation project. It is a controlled evidence exercise with a pre-agreed success threshold.