Scoring

By modelling consumers' payment behaviour you can anticipate the payment behaviour of a potential new customer. Modelling makes credit granting, and processing of credit terms and limits quicker and more uniform, and reduces credit losses.

The Credit Scoring service gives the applicant a score on the basis of the credit applicant's data, thus providing a basis fot the credit decision. Also the amount of credit to be granted can be proportioned to the score given.

Suomi Credit is a general model, in which values have been calculated for credit applicants' basic data (marital status, income, duration of employment, form of housing, age, etc.) according to how they will impact the payment default risk. Credit Scoring can also be tailored to correspond to the clientele and credit policy of your company.