Product

Repayment Intent Score

Protect your business and prevent losses by predicting the likelihood of early repayment failure at application

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Product Overview

Repayment Intent Score is a new bureau based score that predicts the likelihood of a consumer either making no or limited repayments within the first four months of the agreement.

The score works as a crucial early warning indicator helping to support responsible lending by identifying potential fraudulent applicants and people who are unlikely to repay the full balance.

This is vital in industries such as telco and retail where the consumer receives a product before the first payment is due.

Built for BNPL

We developed the Repayment Intent Score to provide you with an advanced tool to counter early repayment failure, No Intention to Pay (NITP) risk and fraudulent accounts.

The score predicts the likelihood of a customer failing to make any, or only making limited repayments on the credit agreement, with limited payment defined as two or less payments in four months.

Spot potential fraud or higher risk customers, before the credit agreement is even approved.

Score No Intent to Pay. Instantly.

Reduce losses

Avoid writing off goods provided to consumers who make no or limited payments

Predict early default risk

Move beyond standard risk models to detect early signs of fraud and vulnerability

Protect your business

Make better, quicker lending decisions by accurately identifying higher risk consumer

Improve operational efficiency

Quickly identify the likelihood of a consumer making no or limited repayments

Quick results

Fitting seamlessly into your existing decisioning environment, for quick adoption

Easy implementation

Expert insights

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Strengthen your decisioning with a proactive line of defence by identifying potential repayment failure