Next Generation Credit Scoring Technology
INNOVATION
01
DATA
VSKOR's SDK, ingeniously woven into mobile apps, collects GDPR-compliant first-party data with user consent.
Our SDK is universally compatible with any mobile app and, notably, it exclusively captures standardized NON-PERSONAL and NON-FINANCIAL DATA, preserving privacy and compliance.
AI FUELED INFORMATION & KNOWLEDGE
Our state-of-the-art AI & Big Data platform refines raw data to unveil real-life insights, habits, and user patterns for mobile devices. The output encompasses;
- Age, Gender, Income, Education…
- Personality, Lifestyle, Interests…
- Shopping, Eating, Travel, Outdoors…
- Residential, Workplace, Cities, Foot traffic…
- Consumption, Grocery, Clothing, Electronics, Digital Content…
- Effects of environment on behavior, Temperature, Climate, Pressure, Luminosity…
02
03
WISDOM - CREDIT SCORE
In the last phase, consumer information is converted into a Credit Score ranging from 0 to 1000, a Risk Category spanning V1 to V8, complete with a confidence level. This comprehensive data is seamlessly delivered to the customer via our API.
VSKOR Difference
In stark contrast to traditional scoring methods, VSKOR:
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Operates independently of prior financial history, footprints, or data.
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Is computed in real-time, enabling instant decision-making.
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Eliminates reliance on payment history.
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Exhibits superior predictive capabilities for consumer credit assessment.
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Is purpose-built for the digital economy.
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Accommodates alternative financing and micro-lending solutions.
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Widens access to credit for a broader demographic.
ABOUT US
WE ARE
VSKOR
We are a group of visionary thinkers who have resolved to revolutionize the conventional approach to credit scoring.
Our cutting-edge AI driven technology harnesses the power of predictive big data analytics to generate credit scores, entirely devoid of any reliance on financial history or personal data.
VSKOR is meticulously calculated using authentic consumer insights and profiles extracted from the mobile footprint of mobile device users.
What sets us apart is our commitment to inclusivity, offering our scores to every segment of the population, irrespective of their financial backgrounds—be they banked, unbanked, underbanked, students, refugees, immigrants, or retirees. Our mission is to make credit accessible to all.
working with the best clients and partners
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