Innovative Financial Solutions

Connecting financial institutions with trustworthy customers through
alternative credit scoring and data-driven insights

  • Solutions

One-Stop Alternative Data Service Platform

CrePASS provides a next-generation credit evaluation system that integrates traditional and alternative credit scoring. STEPs is an automated decision-making system that consolidates application data, financial transactions, and alternative data, enhancing loan assessment accuracy with patented technology, AI algorithms, and risk management tools.

STEPs : Scoring Technologies Enterprise Platform service

Three Key Strengths of STEPs

  • Ultra-Fast Mobile
    Data Processing

    99% of results generated
    within 1 second

  • Systematic Big Data
    Platform

    Supports both human expertise
    and AI-driven automation

  • Optimized Variable
    Development

    Efficient creation of high-
    discriminatory credit variables

Comprehensive Data & Scoring Approach

CrePASS enhances traditional credit models using alternative data to
estimate trustworthiness, spending behavior, and income capacity.

Alternative
Credit Scoring
Model
  • Device Information
    iPhone/Android type, OS version
  • Usage Patterns
    Access time, login channel, visit frequency,
    post-application actions, and typing behavior
    during form filling.
  • Behavioral Insights
    Installed apps, frequently used apps,
    app usage frequency
  • Additional Data
    Telecom, healthcare, e-commerce,
    and mobile-payment behavior