Credit Risk Beta

Real-time view on credit risk

Stay on top of an individual's debt obligations, recent credit applications, and behavioural trends for a complete, dynamic view of credit risk.

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Product benefits

Reduce risk

Leverage the most current picture of a consumer's credit usage to identify previously invisible risks like loan stacking and unaffordable shopping sprees.

Identify emerging risks

Protect your portfolio and better manage credit lines with real-time monitoring and alerts for potential vulnerabilities.

Boost profitability

Drive down delinquencies and defaults while responsibly growing your loan book.

Promote financial inclusion

Take a balanced approach using positive payment data to help consumers build stronger credit profiles.

Powerful features for effective risk management

Comprehensive metrics

Access a suite of insights alongside raw identity and credit account information.

Complementary integration

Seamlessly integrate our metrics and raw data into your existing decisioning workflows.

Real-time insight

Offering the most up-to-date view of an individual's credit risk through real-time reporting.

Responsible representation

Fair representation of consumers across traditional and newer credit products like BNPL.

Walk through API components

The credit risk endpoint allows you to retrieve an individual’s real-time credit exposure and future payment schedules.

modern signal

Additional identifiers powering person-centric matching

account details

Modelled gross and net incomes accompanied by income risk probability

payment behaviours

Comprehensive breakdown of essential monthly living expenses

summary metrics

Configurable confidence intervals for each component

alerts

Assess the probability of an applicant’s ability to repay

Request | Affordability

{
"title": "Miss",
"firstName":"Isobel",
"middleName":"Mary",
"lastName": "Tucker",
"email: "isobelt99@example.com",
"dob": "1994-01-21",
"phone": "447402123456",
"addresses"[
{
"buildingNumber": "5",
"line1": "5 Moorside View",
"line2": "Station Street",
"city": "Glossop",
"postalCode: "SK13 8BD,
"countryCode": "GB",
}
],
"accounts": [
{
"key": "ee3ad750-677e-4447-ac07-f8f4101a1f5d" ,
"type": "PayInX" ,
"startDate": "2023-04-01" ,
"amountFull": "300" ,
"amountBalance": "300" ,
"nextPaymentDueDate": "2023-05-01" ,
"finalPaymentDueDate": "2023-06-01" ,
"lastUpdateDate": "2023-05-01" ,
"status": "Settled" ,
"currencyCode": "GBP" ,
"paymentFrequency": "Monthly" ,
"payments": [
{
"key": "b090d3c9-8291-4d39-9348-6dc1c2d2bd" ,
"paymentDueDate": "2023-04-01" ,
"paymentDate": "2023-04-01" ,
"amountDue": "100" ,
"amountPaid": "100" ,
"status": "Settled",
} ,
{
"key": "b8de0a15-aa35-4abe-811b-c5a5fbde4" ,
"paymentDueDate": "2023-11-06" ,
"paymentDate": "2023-11-06" ,
"amountDue": "22" ,
"amountPaid": "22" ,
"status": "Settled",
},
{
"key": "a01b4008-a703-49c9-b095-6f5b409ac" ,
"paymentDate": "2023-11-06" ,
"amountDue": "22" ,
"amountPaid": "22" ,
"status": "Settled",
},
{
"key": "101fb9c9-ec58-47b0-a084-b73846afaea8" ,
"paymentDate": "2023-11-06" ,
"amountDue": "22" ,
"status": "Settled",
}
]
},
{
"accountId": "d5902aff-ae49-4e05-becd-a94a701" ,
"key": "cd2d8d91-5a5f-470f-acb1-0727964f533f",
"type": "PayInX" ,
"startDate": "2022-06-22" ,
"merchant": "Urban Outfitters" ,
"amountFull": "253.65" ,
"amountBalance": "169.1",
"nextPaymentDueDate": "2022-07-22",
"finalPaymentDueDate": "2022-08-22"
"lastUpdateDate": "2022-07-01 ," ,
"status": "Defaulted" ,
"currencyCode": "GBP" ,
"merchant": "Urban Outfitters" ,
"paymentFrequency": "Monthly" ,
payment[
{
"paymentId": "c79f5abd-8620-4bd9-8060-f323" ,
"key": "70cce3c9-b099-403b-a8ae-0a350bbada" ,
"paymentDueDate": "2022-06-22",
"paymentDate": "2022-06-22",
"amountDue": "85.55" ,
"amountPaid": "85.55" ,
"status": "Settled",
},
{
"paymentId": "e34dd8e7-3a47-4338-bded-ef7cea3df" ,
"key": "a09c92c4-3306-4fb5-bd1d-bc28a2ec34" ,
"paymentDueDate": "2022-06-22",
"paymentDueDate": "2022-06-22",
"paymentDate": "2022-06-22",
"amountDue": "85.55" ,,
"amountPaid": "85.55" ,
"status": "Defaulted",
},
{
"paymentId": "d9f381b1-7b3b-4d32-aa43-fe42e41" ,
"key": "0257a09e-88fb-4271-86ba-2b81d313314c" ,
"paymentDueDate": "2022-06-22",
"paymentDate": "2022-06-22",
"amountDue": "85.55" ,
"amountPaid": "85.55" ,
"status": "Defaulted",
} ,
]
} ,
...
] ,
"metrics": [
...
{
"key": "Accounts.Opened.1Day",
"amountDue": 2,
} ,
{
"key": "Accounts.Opened.1Day.Amount",
"amountDue": 480,
} ,
{
"key": "Accounts.Opened.1Week",
"amountDue": 3,
} ,
{
"key": "Accounts.Opened.1Week.Amount",
"amountDue": 1250,
} ,
{
"key": "Accounts.Delinquent.1Month",
"amountDue": 1,
} ,
{
"key": "Accounts.Delinquent.1Month.Amount",
"amountDue": 34,
} ,
{
"key": "Accounts.Settled.1Month",
"amountDue": 2,
} ,
{
"key": "Accounts.Settled.1Month.Amount",
"amountDue": 2,
} ,
{
"key": "Accounts.WorstStatus.1Month",
"value": "Delinquent",
} ,
{
"key": "Accounts.Defaulted.DaysSince",
"amountDue": 42,
} ,
{
"key": "Accounts.Noc",
"amountDue": 1,
}
...
]
},
{
"notificationId": "28bce2e0-3185-4926-b2a7-aebc0e6819b7",
"sentAt": "2023-12-23T13:49:51.141Z",
"customerId": "FAR-392889e",
"entityType": "Account",
"operation": "Update",
"statusPrevious": "Open",
"status": "Delinquent"
{

Solutions across the credit lifecycle

See how Infact enhances lending processes from start to finish. Explore key use cases that showcase our powerful solutions in action.

Increase profitable new lending

Sharpen your origination policies with real-time applicant insights. Improve approval rates while reducing late payments and delinquencies.

Real-time portfolio monitoring

Proactively monitor portfolio risk with real-time event alerts. Take early actions to mitigate losses, spot growth opportunities and support financially vulnerable customers.

Questions about how Infact can fit into your business?

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Infact’s News & Insights

Learn about the latest in credit risk

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Authorised and regulated by the Financial Conduct Authority (FRN: 978629)

Infact is a trading name of Infact Systems Limited, registered in England and Wales (Company Registration Number: 14032664)

Registered address: 2-7 Clerkenwell Green, London, EC1R 0DE