Introducing the Dynamic Risk Assessment (DRA)
The Dynamic Risk Assessment (DRA) is an innovative online tool for evaluating credit risk based on cutting-edge behavioural science. The DRA is designed to function effectively in environments with limited or no consumer credit or bureau data.
Unlike traditional models focusing solely on affordability, the DRA algorithm predicts an individual's willingness to repay loans. When combined with existing credit scores, it enhances the accuracy of lending decisions. This advanced solution is tailored specifically for the emerging economic marketplace.
Situational Judgement Assessment
Applicants complete a brief 10-question assessment to gauge their attitudes towards credit. This intuitive assessment can be completed in less than 5 minutes.
Comprehensive Analysis
We measure 75 key metrics and combine them to provide a total risk score. These metrics encompass the answers given and on-screen behaviour, such as indecisiveness, speed, and response consistency.
Behavioural Insights
The resulting score offers a detailed view of each applicant's behavioural credit risk profile. This innovative approach allows lenders to understand the intentions and behaviours of potential borrowers beyond traditional methods.
How do Assessments work?
- Generate a link
- Send to the applicant
- Applicant completes the assessment
- Receive the results
Accessing the API
- Contact us to get access to the API
- Generate API credentials
- Load credits to your account
Continue: ADMIT API >>