Alternative Credit
Scoring as
a Service
Access Patascore alternative credit scoring APIs to generate real-time scores, credit limits and risk classifications using mobile money, bank, POS, supply chain and behavioural data.
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How it Works
Patascore Alternative Scoring as a Service combines alternative data, configurable business rules, fraud controls and risk models to generate actionable credit scores and loan offers.
Approve more good borrowers with alternative data
Increase approval rates
Assess creditworthy customers who are underserved by traditional credit data.
Improve risk classification
Combine signals and business rules to align decisions to risk appetite.
Scale API-driven credit decisions
Support instant decisions, portfolio reviews and periodic re-scoring.
Credit intelligence for underserved segments
Help banks, SACCOs, MFIs, fintechs, telcos and ecosystem lenders serve MSMEs, thin-file and new-to-bank customers.
Instant digital loan approvals
Power real-time credit decisions in digital lending journeys.
MSME credit scoring
Use alternative data to understand informal and business income.
Embedded finance
Support partner-led lending in ecosystem and platform environments.
Portfolio re-scoring
Review and refresh customer risk classifications over time.
Plug-and-play credit scoring infrastructure
Generate credit scores, limits, reason codes and risk classifications through configurable APIs.