PersonalizedWe offer custom-tailored financial products according to the individual needs of our customers.
TechnologyWe use technology to offer underserved customers easy, fair and safe access to credit.
RelationshipsWe build long-term relationships and help customers to gain access to better credit through financial inclusion and personalized development.
Our Mission: Banking the Underbanked
Our Technology: Credit Rating via Artificial Intelligence
Kreditech has developed a globally unique technology for scoring thin-file customers. Our USPs are the enablers for becoming the “Digital Bank for the Underbanked”. Our unique technology aims to provide a friendly and fast service for the consumer. For this, we have developed a proprietary credit scoring technology which uses artificial intelligence and machine learning to process up to 20,000 data points per application. It allows us to score a customer within less than one minute and determine credit risk with higher precision than traditional credit-bureau based systems, especially for thin-file customers. The technology hence enables us to serve credit to customers across all channels and segments. It includes the underbanked, those who are rejected or badly served by traditional banks.
- Works under incomplete information
- No intermediary / credit bureau needed
- Better decision quality = better credit offers
- Credit decisions in real-time
Developing customers to better credit
and physical card
Our Geographical Footprint
Fully Automated Business Processes
- Individual customer journey
- Cross channel budget optimization
- Lowest number of fields in the industry
- Customized loan offers
- Wide support of payment channels
- Personalized key accounts
- Personal finance management