Product Overview

Make more confident lending decisions at the point of application with our latest generation risk score specifically tailored for the telecommunications sector.

Using our comprehensive data sources, the score supports the assessment of an applicant's capacity to pay for a handset or service contract at the point of application.  Designed not only to measure their financial situation today, but also to predict the likelihood of a consumer going into arrears.

Approve more of the right customers with confidence

At the speed your customers expect.

Expertly Built For Telcos

A clear view of a consumer's ability and likelihood to repay.

Drive Business Growth

Reduce drop-outs through a low friction customer onboarding journey.

Boost Risk Management

Achieve up to a 5.3% uplift in predictive performance compared to previous models.

Optimise Decisioning

Set clear policy rules for automatic acceptance or manual review, driving conversions.

Safeguard Your Business

Help protect your portfolio from delinquency and fraudulent applications. 

Identify Higher-Risk Applicants

More accurately while maintaining a seamless customer experience.

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Achieve up to a 5.3% uplift in predictive performance compared to previous models.

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106% rise in telecoms misuse mostly mobile phone payment evasion.1

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~1 million people missed a phone bill in the last 6 months.2

Source1: Cifas Fraudscape 2026
Source 2: FCA Financial Lives 

The right calls. Zero interference.

We developed Risk Navigator 5 Telco score to help you stay ahead, drive the best possible outcomes for your customers and to safeguard your business.

While earlier versions remain predictive, we have evolved our approach to meet today's specific market needs. This includes incorporating both handset loans and telecommunication accounts, and utilising a broad performance window to protect against seasonal fluctuations.  

Related Products

Repayment Intent Score
Protect your business and prevent losses by predicting the likelihood of early repayment failure at application
Affordability Flex Check
Proportionate affordability assessments for a low-friction consumer journey.
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See the benefits of a credit score developed specifically for the telco industry.

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