Recover more good applicants without rewriting your scorecard.
Your current policy is probably doing its job — but uncertainty gets priced as rejection. Goscore adds a second layer of verified financial evidence exactly where the existing model is least certain.
Use Goscore only on the yellow/red edge of the funnel. Keep the existing policy; test whether richer affordability and cash-flow signals recover profitable applicants at equal or lower realised risk.
Too many borderline applicants are declined because the existing model has too little current evidence, not because they are necessarily bad borrowers.
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
Consumer-lending volume to Norwegian customers accelerated in H1 2026, increasing the value of better marginal decisions.
-
02
Competition for retail customers remains intense; profitable growth increasingly depends on converting the right applications, not simply buying more leads.
-
03
A historical replay can establish the value before any live credit-policy change.
Run a 2,000–5,000 decline recovery test
Take a historical sample of declined or borderline applications, replay them through Goscore, and compare the recovered segment with realised outcomes where available.
Start this test →Small enough to approve. Specific enough to kill.
Select
2,000–5,000 historical declines or borderline cases.
Replay
Run Goscore using data available or reproducible at application time.
Segment
Identify where Goscore would have changed confidence or decision.
Validate
Compare approval opportunity against realised delinquency/default where possible.
Lending Intelligence
Add real-time financial behaviour and affordability signals to the decision you already trust. Use Goscore as a challenger, second look or additional risk layer — without replacing your core scorecard.
- 01Complement—not replace—existing bank scorecards
- 02Use verified income, spending, debt and behavioural indicators
- 03Route borderline/rejected cases into a richer second assessment
Run a 2,000–5,000 decline recovery test
Take a historical sample of declined or borderline applications, replay them through Goscore, and compare the recovered segment with realised outcomes where available.