
COMING SOON
Analyse the creditworthiness of your clients with Score
Are you interested in the creditworthiness of your customers to adapt your sales processes? Use our credit scoring API to protect yourself against default risks.

Score by Pledg
credit scoring api
Credit is an essential part of the modern economy, but it also carries risks. Companies that make loans need to be able to assess the creditworthiness of their customers. That's why we've developed our credit scoring engine, Score by Pledg, that uses machine learning algorithms to analyze users' banking transactions or context to predict the likelihood of default.

Our credit decisioning engine has proven its relevance to minimize risk while maximizing volume.
Precision.
Our scoring algorithms can analyze a multitude of data, allowing them to be relevant in any context.
Adaptability.


Our credit scoring API returns an answer in less than half a second, without the need for customer intervention.
Instantness.
Why trust our
credit scoring API?
For the needs of its activity, Pledg has developed a credit decisioning engine using the latest machine learning technologies.
Thanks to them, we obtain the lowest overdue rate on the market while guaranteeing acceptance rates above the standards.
Overdue rate and number of transactions as a function of the Score result (from 0 to 1000)

What data can Score process?
One API and two ways for you to benefit from our expertise:

Banking data
By providing us with a transaction history as returned by an open banking solution of the market, in accordance with the DSP2 regulation.

Contextual data
By transmitting us contextual data about a customer: the content of his basket, his purchase history, his contact details, his technical profile...
With Score, you gain access to a scoring model based on a state-of-the-art data analysis and machine learning technology, capable of processing several hundred data points to quickly and efficiently assess the risk of default.
Our algorithms adapt to all contexts and continuously learn from the data they analyze, in order to make an ever more accurate assessment of a client's borrowing capacity based on banking and contextual data.
Learn more about our API, Score ?
