§ 01 — Velg testen
Liten nok å godkjenne. Konkret nok å avslutte.
01
Kjør en porteføljetest
Alle långivere
Send et historisk utvalg søknader med utfall dere allerede kjenner. Vi kjører dem gjennom Goscore og sammenligner — ingenting berører en aktiv kredittpolicy.
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02
Run a 2,000–5,000 decline recovery test
Credit & Risk
Take a historical sample of declined or borderline applications, replay them through Goscore, and compare the recovered segment with realised outcomes where available.
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03
Benchmark 100 manually reviewed cases
Underwriting Operations
Choose 100 recent borderline cases. Compare time-to-review, evidence completeness and decision consistency with and without a Goscore evidence pack.
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04
Build a 30-day direct-channel economics model
Digital Sales & Growth
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.
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05
Run a 50-decision explainability review
Compliance & Responsible Lending
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.
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06
Design a 1,000-customer signal pilot
Portfolio & CRM
Choose one consented segment and one action — early warning, re-engagement or affordability review. Define the signal, action and success measure before any automation.
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07
Build the lending P&L opportunity model
Lending P&L
Bring six numbers: monthly applications, funded loans, average acquisition/agent cost, approval rate, average margin and realised loss. We turn them into an opportunity map tied to specific Goscore tests.
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08
Scope a 2-week data proof
Data & Innovation
Pick one lending journey and a representative sample payload. We map required data, outputs, governance and integration boundaries, then define a proof that can be killed or expanded quickly.
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Valgt
Kjør en porteføljetest
Send et historisk utvalg søknader med utfall dere allerede kjenner. Vi kjører dem gjennom Goscore og sammenligner — ingenting berører en aktiv kredittpolicy.
Foretrekker du e-post?
max@goscore.me
Lars Hilles gate 30, 5008 Bergen
Goscore AS · 922707324
Hva skjer videre
01
Svar Vi svarer med hvilke data vi trenger og hva vi måler.
02
Omfang Én side: utvalg, metode, terskel for suksess og hvordan man avslutter.
03
Kjør Den kjører mot historikk først. Ingenting berører en aktiv kredittpolicy.