Explainable AI scoring that combines bureau, telco, cashflow and behavioural data to extend fair credit to thin-file and unbanked borrowers — with reason codes regulators can audit.
Traditional scorecards need years of bureau history, payslips and collateral — exactly what a first-time borrower in an emerging market doesn't have. PhotonMatters Credit Scoring reads the signals the legacy system ignores: airtime top-ups, mobile-money flows, repayment behaviour and device patterns, alongside any bureau data that exists.
Every score ships with reason codes and feature contributions, so risk teams and regulators see exactly why a decision was made. Champion/challenger lets you test new models safely against live traffic — no black boxes, no surprises.
From raw data ingestion to a live scoring endpoint — the full pipeline, explainable end to end.
Pull credit bureau records and blend them with alternative sources through pre-built connectors and a clean ingestion layer.
Turn airtime top-ups, mobile-money inflows and recharge patterns into stable, predictive features for the unbanked.
Repayment history, application behaviour and device-level signals add a real-time risk dimension legacy models miss.
Every score returns ranked reason codes and feature contributions, so analysts and regulators see the why behind each decision.
Build configurable scorecards and run new models in shadow against the champion before promoting them safely to live.
A single REST endpoint returns a score, band and reason codes in under a second — built for 250k+ requests/hour.
Pull bureau, telco, cashflow and application data through connectors into a unified, deduplicated record.
Transform raw signals into hundreds of stable, monitored features — from repayment ratios to recharge cadence.
Models return a score, risk band and ranked reason codes in sub-second time, every call fully traceable.
Feed the score into origination policy — approve, price or refer — with a full audit trail for every outcome.
Score the unbanked from alternative data alone — no bureau file or payslip required.
Sub-second scoring at peak load, so decisioning never becomes the bottleneck.
Audit-ready and compliant — every score carries reason codes for regulators and risk teams.
Bring a sample portfolio and we'll show you the lift from alternative data and reason codes in a working demo.
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