Make direct lending compete with broker distribution.
If a large share of new customers arrives through financial agents or aggregators, the challenge is not only acquisition cost. It is the bank losing the ability to pre-qualify, learn and convert customers directly.
Use Goscore earlier in the direct journey to pre-qualify, reduce data-entry friction, rescue promising applicants and connect acquisition source to approval and realised risk.
Banks can pay a meaningful commission for a funded customer while their own digital funnel rejects, loses or over-processes applicants before it knows who is worth pursuing.
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.
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01
Digital sales and cost efficiency are explicit strategic priorities for leading Norwegian banks.
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02
Retail-bank competition is intensifying, so every percentage point of direct conversion has greater strategic value than it did when cheap broker volume was enough.
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03
You can model the economics with existing funnel data before building a new acquisition channel.
Build a 30-day direct-channel economics model
Bring channel commissions, application conversion, approval rate, data-check costs and average contribution per funded loan. We map where direct financial intelligence can change the economics before asking for integration.
Start this test →Small enough to approve. Specific enough to kill.
Map
Channel commission, conversion, approval, loss and contribution.
Find
Locate the most expensive drop-off or uncertainty point.
Model
Estimate the value of pre-qualification and rescued applicants.
Test
Pilot one journey, product or traffic source.
Growth Intelligence
Use financial intelligence earlier in the journey to pre-qualify, personalise and convert more applicants directly — reducing dependence on expensive intermediaries without weakening credit standards.
- 01Pre-qualify visitors before expensive downstream checks
- 02Pre-fill verified income and affordability data to reduce friction
- 03Identify applicants worth rescuing rather than sending back to aggregators
Build a 30-day direct-channel economics model
Bring channel commissions, application conversion, approval rate, data-check costs and average contribution per funded loan. We map where direct financial intelligence can change the economics before asking for integration.