Expand access without lowering the bar.
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.
- Primary buyer
- Risk / Compliance / Sustainability
- Job to be done
- Improve financial inclusion while preserving responsible lending controls
- Adoption model
- Challenger · second look · API layer
Better evidence before a more consequential decision.
- 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
- 04Keep model governance, human oversight and bank policy in control
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.