MARKET GAP
Outdated Credit Models Block Access to $2 Trillion in Lending Potential
Legacy credit scoring systems exclude 45 million Americans from fair financial access, relying on narrow, outdated financial metrics. As a result, lenders overlook $2 trillion in viable lending opportunities and face suboptimal default prediction accuracy leading to missed growth, higher risk exposure, and financial exclusion at scale.
SOLUTION
Unlock Inclusive, Accurate Lending with AI-Driven Alternative Data
CreditMind Pro™ brings hyper-personalized credit intelligence to banks and lenders by assessing 5,000+ alternative data signals including social behavior, rental payments, utilities, and education. With real-time decisioning, it provides inclusive, explainable credit insights, expanding financial access while improving portfolio quality and risk precision. When lending decisions are smarter and more inclusive, profitability follows CreditMind Pro™ delivers both.
Game-Changing Value
Unmatched Impact. Unrivaled Efficiency.
Credit Inclusion for Millions
Identify 45 million creditworthy individuals traditionally left out by conventional scoring.
Superior Default
Prediction Achieve 35% better default risk accuracy, reducing losses and enhancing approvals.
Massive Market Expansion
Capture $2 trillion in overlooked lending opportunities across varied borrower segments.
Significant Profitability
Boost Drive a 300% uplift in loan portfolio profitability with smarter underwriting.
TECHNOLOGY STACK
Powering Intelligence with
Cutting-Edge Tech Stack
Sample Data Sources
Grounded in Real-World, High-Fidelity Data
Lending Club Loan Dataset
Peer-to-peer lending performance data for training and validation.
CFPB Public Consumer Datasets
U.S. consumer financial behavior datasets for responsible AI modeling.
Equifax Alternative Data Research
Expanded credit factors, including rental, utility, and telecom payment histories.
Why This Beats Existing Tools
CreditMind Pro™ vs. Legacy and Fintech Credit Models
More Data, Smarter Insights
FICO uses 5 standard financial factors CreditMind harnesses 5,000+ alternative indicators.
Greater Inclusion
FICO excludes 45 million credit-invisible borrowers CreditMind covers 95% of adults.
Better Risk Accuracy
FICO reaches 65% predictive accuracy CreditMind delivers a robust 89%.
Real-Time Credit Evaluation
FICO updates monthly CreditMind provides instant, real-time credit scoring.
Broader Analytical Scope
Credit bureaus add basic alternative data CreditMind applies deep behavioral and social analytics
AI-First Scoring
Bureaus use traditional regression models CreditMind deploys deep learning and ensemble algorithms.
Advanced Compliance Capabilities
Basic fair lending checks vs. CreditMind’s embedded bias detection and explainable AI built for regulatory readiness.
Expanded Lending Coverage
Fintech models are limited to specific loan products CreditMind works across mortgages, auto, personal, and business loans.
Faster, Seamless Integration
Fintech options require new tech stacks CreditMind integrates directly into existing bank infrastructures.
Institutional-Grade
Risk Management Fintech prioritizes growth with higher risk tolerance CreditMind enforces bank-grade risk control frameworks.
