Build a stronger direct lending channel.
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.
- Primary buyer
- Chief Commercial Officer / Digital Lending
- Job to be done
- Improve funded-loan economics and reduce blended acquisition cost
- Adoption model
- Challenger · second look · API layer
Better evidence before a more consequential decision.
- 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
- 04Measure acquisition source × approval × default × lifetime value
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.