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Credit Scoring Software 

Use the ABLE Credit scoring software platform to make solid credit decisions and approve more of the right loans.

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Credit risk scoring

Credit scoring is increasingly being used by banks and other financial institutions to measure risk factors when financing small and medium enterprises (SMEs) and individuals. It is applied to approve loans and uses scores to assess the potential credit risk of borrowers.

Thanks to technological advances in credit reporting systems and modern credit scoring software, financial institutions can extend their credit portfolio to SMEs and individuals by using this method. 

Our experienced team will help you evaluate the creditworthiness of your potential customers in an automated, consistent, and objective manner by implementing or integrating solutions from the leading credit scoring software vendors.


Commercial credit scoring platform: points of interest

The key to implementing credit scoring model software is the automation of loan origination workflows that occur between a loan supplier and individual customers or SMEs. 

Credit scoring system integration helps banks to undertake a transparent analysis of each specific relationship. Credit scoring platform solutions can consider the number of issued invoices and the efforts for payment collection.

When calculating customers’ credit score, the credit scoring system in banks also includes external information, such as credit insurance information, exceeded credit limits, credit ratings, and black and white lists. We can implement the import of critical information from other systems or sources into the database, such as risk codes, locations, etc. Another option that can be enabled is a forced stop of the automatic processing of a loan application for any reason. This allows you to complete further analysis in your credit or risk departments.

To sum up, the credit scoring platform can combine both financial and non-financial data analysis to form an in-depth overview. This is needed to evaluate all individual customers and SMEs.


Credit scoring software implementation

Step 1. Definition of the scoring segment.

The first step in a scoring software project implementation is identifying the type of customers and products scoring for which the scoring model will be used.

Step 2. Selection of the scorecard type.

There are three main types of scorecards: 

  • Statistical: empirically derived from data on customers’ past loans;
  • Judgmental: structured from expert judgment and institutional experience;
  • Hybrid: a mixture of statistical and judgmental techniques.

Step 3. Design of the credit scorecard.

The process of scorecard design, regardless of its type, can be grouped into these three phases:

  • Definition: what is a bad loan?
  • Discovery: which characteristics most influence risk?
  • Development: what combination of factors provides the best results in back-testing?

Step 4. Test, Implementation, and Management of the scorecard. 

This is further subdivided into the following phases:

  • Back-testing. A thorough analysis of back-testing results, helping us to examine the expected effects of any number of different scoring policies.
  • Pilot testing. The goal of pilot testing is to get a feel for how the model works in practice. What are the score ranges? Do the scores coincide with perceived risk levels? Are there any unexpected complications in collecting data needed for scoring? The answers to these questions can shape scorecard policy and procedures.
  • Integration with your IT-systems. In modern financial institutions, a scorecard can be deployed effectively as an additional module to an existing software platform. But due to a lot of successful cases of B2B credit scoring software integration into banking infrastructure, our technical experts can adapt our solutions to your IT systems.
  • Long-term software management. Scorecard management is a long-term process that must continue well beyond the initial excitement of scorecard development and implementation. We provide you with assistance in technical support and periodical software updates to ensure the installed credit analysis software for banks continues to work.

Benefits of credit scoring software solutions

  • Speed
  • Accuracy
  • Consistency
  • A reduction in bad debts
  • Clear risk analysis
  • Prioritization of other essential activities

Adopting a clear and consistent scoring policy enables risk managers to compare customer performance and credit history analysis without pattern exceptions. Most importantly, scoring grants the opportunity to draw credit scores for your customers individually. This data can be used to segment customers. You can place them in the right workflow and create the best actions for each customer, giving a personalized approach.

Our experts can provide your company with a perfect tool, enabling you to draw a complete picture of each customer. It will help your risk department better analyze risks, work more efficiently, prioritize, and reduce non-performing debts.


Key features of credit risk scoring software

  1. Credit scoring software development has become a trend. The software solutions that we offer give lenders a fast, objective measurement of credit risk and help avoid the loan origination process becoming slow, inconsistent, and unfairly biased.
  2. ProcessMix BRMS. Our team specializes in Business rules management software. BRMS are used by different financial institutions as their effectiveness is proven for traditional banks, as well as for microfinance. The  credit scoring software will help create a clearer picture of your customer’s credit history and protect you from errors while calculating the potential risk of non-collectible loans.
  3. Quick and less risky. Your applicants receive credit decisions quicker. Even a mortgage application decision can be taken in days instead of weeks. Credit rating software also allows you to make “instant credit” decisions in retail stores, online stores, and other lenders. With credit scoring solutions, you can focus only on the facts related to credit risk. Credit “mistakes,” caused by human factors, don’t need to feature in your business. 
  4. New lending opportunities. Precise information leads to increased lending opportunities. By using our solutions, you can have the confidence to approve more loans. This is because our loan scoring software gives you more precise information on risks and other credit factors. It allows your risk officers to identify individuals who are likely to perform well in the future, even if their credit report shows past problems.
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Year Established
Team Size

Why clients choose ABLE Platform™?

For large or small financial organizations, our credit scoring platform makes lending easier by improving customer onboarding, increasing transparency and streamlining back-office operations.

Returning clients

96 %

of our clients return


12 Million

saved for our clients


9+ years

in banking domain



Tier 1 and Tier 2 banks

Recent projects

We have successfully delivered over 65 projects in lending and banking process automation. Some of them are under NDA, though some we are glad to share with you.

More case studies
Loan origination

Lending Platform improved loan origination process


Hosting scorecards without the Bank’s IT department

Early Warning

Early Warning System for the Retail Commercial Bank


Soft-collection Remastering in a Bank


Trusted by Banks and FinTechs

ABLE covers the needs of bank loan software, cash loan software, installment loan software, personal loan software, small loan software, and more. Tier 1 and Tier 2 banks and microfinance institutions use our solutions to ensure a continuous and high-quality lending process.

Year Established
Team Size


How does your credit scoring software work?

ABLE credit scoring software works by automating the evaluation of creditworthiness for potential customers. It analyzes various factors, both financial and non-financial, to assess the potential credit risk of borrowers. 

Our software integrates with credit reporting systems and considers information such as credit insurance, credit ratings, payment collection efforts, and external data. 

By combining statistical and judgmental techniques, the software generates credit scores to assist financial institutions in making solid credit decisions and approving loans.

Is the ABLE credit scoring platform customizable?

Yes, the ABLE credit scoring platform is customizable. It offers flexibility in defining the scoring segment and selecting the type of scorecard that aligns with the specific needs of the financial institution. 

There are three main types of scorecards available: statistical, judgmental, and hybrid. The platform allows for the design and customization of credit scorecards based on factors that influence risk and provide the best results in back-testing. 

Additionally, the platform can be integrated into existing software systems, adapting to the infrastructure of the institution.

Can the ABLE loan scoring software integrate with existing systems?

Yes, the ABLE loan scoring software can integrate with existing systems. It can be effectively deployed as an additional module to an existing software platform in modern financial institutions. 

The software can be integrated into banking infrastructure, allowing for seamless data exchange and interaction with other systems. 

With the technical expertise of ABLE’s team, the loan scoring software can be adapted to work harmoniously with the institution’s software systems, ensuring smooth integration and efficient operation.

Is the ABLE loan scoring platform scalable?

Yes, the ABLE loan scoring platform is fully scalable. The scoring system is designed to meet the needs of both large banks and microfinance organizations. In the ABLE Platform, we provide the capability to handle the growing volume of credit scoring requirements as the organization expands its lending activities.

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