AIForesee Generic Score
AIForesee Generic Score is an OJK-registered AI credit scoring platform that uses alternative data and machine learning to provide accurate risk assessments for under-served individuals and MSMEs, enabling faster and safer lending decisions.
Product Description
Product Overview
AIForesee Generic Score is an Innovative Credit Scoring (ICS) solution designed specifically for the Indonesian financial landscape. It bridges the gap between traditional banking and the under-banked population by utilizing machine learning to analyze alternative data points. This allows financial institutions to evaluate the creditworthiness of MSMEs and individuals who lack formal credit history, expanding their market reach while maintaining a controlled risk appetite.
Highlights
OJK Registered: Fully compliant and officially registered as an ICS provider under the Indonesian Financial Services Authority (OJK).
Specialized Models: Includes GenBiz for small business health assessment and GenRetail for individual entrepreneur behavioral scoring.
Predictive Accuracy: Utilizes advanced algorithms to reduce NPL (Non-Performing Loan) ratios through deep behavioral and demographic analysis.
Alternative Data Integration: Goes beyond SLIK data to look at digital footprints, payment habits, and business performance metrics.
Supported Cloud Infrastructure
The platform is built for high availability and secure enterprise integration, supporting deployment across Amazon Web Services (AWS), Google Cloud Platform (GCP), Microsoft Azure, Alibaba Cloud, Huawei Cloud, and Tencent Cloud.
