Solutions
Credit Analysis (Credit Scoring)
Proprietary Models with Superior Performance
Over 9 years, OpenCo has refined its credit analysis, fraud, behavior and collections models. We have developed proprietary databases using a combination of advanced statistical techniques, machine learning, and Artificial Intelligence to offer the best solutions on the market.
Assertive Analysis Throughout the Customer Lifecycle
Our process is divided into three fundamental stages, ensuring a complete and accurate understanding of each client's profile.
Data Collection Across the Journey
To build a 360° view, we collect data throughout the entire client relationship — from the initial request, through credit analysis, to the collection stage. Our sources include:
- Open Banking: Financial data shared with the client's consent.
- Behavioral and Psychometric Data: To understand consumption patterns and behavioral profiles.
- Transaction Data: Movement history for a detailed financial view.
- Sector/Industry Data: Analysis of the client's market context.
- Credit Bureau Data: Information from traditional credit agencies.
Open Banking Pioneer: We have 6 years of experience with Open Banking data, resulting in an extensive database with over 1.3 million bank statements, including detailed information on deposits, receipts, credit cards, and investments.
Analysis & Insights
We transform raw data into intelligence through in-depth client assessments focused on two main pillars:
- Payment Capacity: We analyze quantitative data such as income, cash flow, and debts to understand financial health.
- Willingness to Pay: We study behavioral data, such as consumption patterns and spending history, to assess the propensity to honor commitments.
Personalized Credit Products
The result of our detailed analysis is the offering of credit products that adapt to each client's reality, such as defining a personalized and fair credit limit.
Our Differentials in Numbers
- 80M+
- CPFs in proprietary database
- 1.3M+
- Open Banking bank statements analyzed
- 9 years
- Refining credit, fraud and collections models