Score the borrowers the old models can’t see.
Explainable AI scoring that combines bureau, telco, cashflow and behavioural data to extend fair credit to thin-file and unbanked borrowers, with reason codes regulators can audit.
The Overview
A risk model for people with no file.
Traditional scorecards need years of bureau history, payslips and collateral: exactly what a first-time borrower in an emerging market doesn’t have. PhotonMatters Credit Scoring reads the signals the legacy system ignores: airtime top-ups, mobile-money flows, repayment behaviour and device patterns, alongside any bureau data that exists.
Every score ships with reason codes and feature contributions, so risk teams and regulators see exactly why a decision was made. Champion/challenger lets you test new models safely against live traffic: no black boxes, no surprises.
Thin-file ready
score borrowers with little or no bureau history.
Reason codes on every score
fully explainable and auditable.
Sub-second API
scores returned in real time at 250k+ requests/hour.
Champion/challenger
test and promote models against live traffic.
Everything you need to score with confidence.
From raw data ingestion to a live scoring endpoint: the full pipeline, explainable end to end.
How it works
- 01
Ingest data
Pull bureau, telco, cashflow and application data through connectors into a unified, deduplicated record.
- 02
Engineer features
Transform raw signals into hundreds of stable, monitored features: from repayment ratios to recharge cadence.
- 03
Score & explain
Models return a score, risk band and ranked reason codes in sub-second time, every call fully traceable.
- 04
Decide
Feed the score into origination policy: approve, price or refer, with a full audit trail for every outcome.
Outcomes
1 phone
Score the unbanked from alternative data alone, no bureau file or payslip required.
250k+/hr
Sub-second scoring at peak load, so decisioning never becomes the bottleneck.
100%
Audit-ready and compliant, every score carries reason codes for regulators and risk teams.
Put scoring to work
See explainable scoring on your data.
Bring a sample portfolio and we’ll show you the lift from alternative data and reason codes in a working demo.