Credit Scoring API

With our credit scoring API, you can score your loan applicants effortlessly with hosted and customizable credit scoring models. Offer financing to unbanked individuals assessed via alternative data sources and meeting your risk requirements.

Enhance your borrowers’ credit score reliability with alternative data for credit scoring, including digital footprint and behavioral information gathered through smartphones and online platforms like e-commerce and ride-hailing.
Set a score threshold based on your risk appetite for automatic applicant acceptance and rejection, calibrate the credit scoring model to your own borrower base, and add filtering rules.
Review applicant profiles and scorecards one by one in our intuitive dashboard, for edge cases or spot checks to the scoring model.
Robust Credit Scoring

Leverage the power of alternative data for credit scoring.

Genify's credit scoring model and system use both traditional and alternative data sources to produce a comprehensive scorecard, while adhering to your risk appetite, so the unbanked or underbanked are not left out.


machine learning based
Machine Learning-Based

Running with multiple machine learning models at its core.


Digital scorecards tailored to your specific risk profile metrics.

real time

Instant loan approval or refusal based on your specified risk appetite.

low to no data requirements
Low-to-No Data Requirements

Ready to use with your data on day 1 thanks to pre-trained models.

Use cases

Power your fintech products with Genify

credit decisioning automation

Credit Decisioning Automation

Encode your business rules and decision trees for automated lending decisioning.

instant loan approval

Instant Loan Approval

Leverage the power of alternative data for underwriting.

Why Genify?

Your partner to unlock value in transaction data

Get Started

Ease of Integration

Via a vast, well-documented set of API endpoints


ISO 27001

Our servers are ISO 27001 certified, and our data usage is compliant with GDPR


On Premises or Cloud

Our API runs on your premises or in the cloud, thanks to a hybrid build since Day 1


Continuous upgrades

Your subscription gives access to new features, sourced directly from our existing users

How Does the Credit Scoring API Work?

Give it a Try - It's Free

  • Explore sample enriched data & insights.
  • Query the API in a sandbox environment.
  • Explore the extended API documentation.
  • Test with up to 1000 transactions for free.
  • Access API keys.