Approve More Customers for Installment Payments
Without Increasing Your Risk.
Use alternative data to assess the creditworthiness of customers that traditional banks reject. Grow revenue while protecting your business.
Test Scoring with 100 ChecksLosing Money at Checkout?
Whether you're running an online store or a fintech lending platform, these challenges are costing you revenue every day.
Are you losing customers at checkout because they're rejected for credit or installment payments—customers who would have paid?
Do you fear fraud and non-payment when offering Buy Now, Pay Later options, forcing you to be overly conservative?
Are credit bureaus failing you with thin files on young customers, freelancers, and first-time buyers who have no traditional credit history?
The Solution: SocialScore BNPL Insights
Traditional credit scoring is slow, conservative, and excludes your best customers. We use digital behavior as a powerful indicator of reliability and payment capacity.
Approve the customers banks reject. Reduce fraud without sacrificing growth.
What You Get:
✅ Social Credit Score
Risk assessment based on digital presence and online behavior. Customers with established digital footprints and active social profiles demonstrate stability and accountability.
✅ Real-Time Fraud Detection
Instant verification of email and phone authenticity. Fake profiles lack deep digital footprints—we catch them before they cost you money.
✅ Lifestyle & Payment Capacity Indicators
Assess financial affinity through digital interests, device usage, and app preferences. Know if they're responsible spenders or high-risk prospects.
✅ Contactability Intelligence
Identify the most reliable channel for debt collection communications. Reach them where they actually respond—Viber, WhatsApp, or email.
✅ Thin File Solution
Approve young customers, gig workers, and first-time buyers who lack traditional credit history but have strong digital identities and behavioral patterns.
✅ Automated Decision Engine
Integrate our scoring into your existing approval workflow. Get instant risk assessments at checkout—no manual review, no delays, no lost sales.
Risk Optimization in Action
Real results from merchants and lenders using SocialScore BNPL
| Metric | Traditional Credit Process | SocialScore BNPL Process |
|---|---|---|
| Approval Rate | 60% — Too many young customers and thin files rejected | 75-80% — Approve customers with strong digital reputation and behavioral indicators |
| Fraud Risk | High with new customers — No way to verify identity beyond basic checks | Minimized — Deep digital identity verification catches fake profiles instantly |
| Decision Speed | Minutes to hours — Manual review, credit bureau queries, back-and-forth | Seconds — Fully automated scoring integrated at checkout |
| Revenue Impact | Lost sales from abandoned carts and rejected good customers | 20-30% revenue increase from "rescued" checkouts and expanded customer base |
| Collection Efficiency | Low response rates via generic email and SMS | 3x higher engagement using preferred communication channels (Viber/WhatsApp) |
Easy Integration or Manual Validation
Seamlessly integrate into your checkout flow via API, or manually test our scoring model by uploading a list of customer candidates. Validate our accuracy with your existing customer data before committing.
Increase Installment Sales Starting Today
Special Offer: 100 free scoring checks for your business.
Test our model with your real customers. See the revenue you're leaving on the table. No credit card required.
Get BNPL Package Now