Upgrade Credit with
Alternative Data

Alternative Credit Scoring Fintech Solution

CrePASS's technology creates
better financial decisions.

We help financial institutions make better decisions with alternative data.

  • Alternative Credit Bureau License
    1st
    in South Korea (2021)
  • Credit Score Usage Volume
    12M+
    annual score inquiries by partners
  • 1-Year Loan Volume via Our Score
    $900M+
    in government-backed loans
    disbursed to low-income borrowers
  • Approval Rate
    21% 상승
    increase compared to traditional
    credit models using our technology
    • A Global Alternative Credit Solution

    From developing markets with limited financial data to advanced economies with full
    credit coverage—our solution works everywhere.

    • Financial Data Alone
      Limited view based only on past financial data
    • Financial + Non-Financial Data
      Broader, 360° credit insights through alternative data
    The Global Need for Alternative Credit Scoring
  • Unbanked or Underbanked
    67%
    of adults worldwide
  • Thin-File Customers
    1.7B
    People globally
  • Market Opportunity
    $380B
    Annual revenue potential
    • Even in advanced economies, credit scoring has limitations:
    Who lose their credit history
    when crossing borders
    With non-traditional income patterns
    Who are new to the financial system
    Overseas workers, immigrants, refugees

    Who lose their credit history when crossing borders

    Even with perfect credit in their home countries, these individuals must often start from scratch in new financial systems, losing years of credit history. This creates a significant barrier to financial inclusion despite their actual creditworthiness.

    Challenge : Credit history doesn't cross borders, forcing financially responsible individuals to start from zero in new countries.
    Gig workers, freelancers

    With non-traditional income patterns

    Traditional credit models favor steady employment and consistent income patterns, disadvantaging the growing segment of workers with variable income streams. Despite potentially higher earnings, these workers often face higher interest rates or loan rejections.

    Challenge : Irregular income patterns are penalized by traditional models, even when total earnings are substantial.
    International students and job seekers

    Who are new to the financial system

    Young adults and international students face a catch-22: they need credit to build credit history, but can't get credit without existing history. This creates a significant barrier to entry into the financial system despite their education and future earning potential.

    Challenge : Future earning potential and educational achievements aren't factored into traditional credit scoring models.