CreditPulseAI

Alternative credit scoring using transaction and behavioral data

FinTech AIPaid

CreditPulseAI generates credit scores for thin-file borrowers using bank transaction patterns, utility payment regularity, and behavioral signals instead of traditional bureau data. Its model was validated against loan performance across three million accounts. Lenders targeting underbanked populations use it to expand access responsibly.

Key Features

• ✓Transaction pattern analysis
• ✓Behavioral scoring model
• ✓Thin-file specialization
• ✓Lender API integration
• ✓Fair lending compliance reports