Make automated credit decisions easier to defend and explain.
Responsible lending is not only about rejecting more. It is about using relevant, verified information, understanding affordability and being able to explain how an automated assessment affected the customer.
Goscore adds verified affordability evidence and interpretable reason drivers around the existing decision — supporting human review, clearer explanations and more individualised assessments.
Traditional scorecards can be difficult to explain to a rejected customer and may rely heavily on historical proxies when current income, expenses and obligations tell a more relevant story.
Make the conversation numerical immediately.
Goscore figures were gathered during pilot implementations and production lending use cases. They are specific to those portfolios and policies; results vary by lender, policy and implementation. Goscore Intelligence can operate across the Nordics, the EU, the US and Canada.
This is easier to justify in 2026 than another generic innovation project.
-
01
The revised EU Consumer Credit Directive applies in the EU from 20 November 2026 and strengthens requirements around thorough creditworthiness assessment, verified financial information, explanation and human review where automated processing is used.
-
02
Norway has assessed the directive as EEA-relevant and acceptable; national implementation work remains a separate process.
-
03
Creditworthiness AI is explicitly treated as a high-risk use case under the EU AI framework, making explainability and governance design strategically relevant even before all high-risk obligations apply.
Run a 50-decision explainability review
Select 50 recent automated declines. We map what evidence was used, what can be explained today, and where transaction-based affordability could make the decision more transparent or more individualised.
Start this test →Small enough to approve. Specific enough to kill.
Review
Take 50 recent automated rejections.
Trace
Map the data and reason chain behind each outcome.
Enrich
Add current affordability and transaction evidence where appropriate.
Design
Define the explanation and human-review workflow before scaling.
Responsible Lending
Traditional data can exclude applicants whose current repayment capacity is stronger than their historical profile suggests. Goscore adds a real-time financial view so lenders can distinguish uncertainty from genuine risk.
- 01Assess actual affordability rather than relying only on proxies
- 02Give thin-file and recently relocated applicants more relevant evidence
- 03Explain rejection factors and potential remediation where appropriate
Run a 50-decision explainability review
Select 50 recent automated declines. We map what evidence was used, what can be explained today, and where transaction-based affordability could make the decision more transparent or more individualised.