AI Credit Scoring

Predictive Credit Risk

DP3/DP6/DP12

Bandingkan probabilitas gagal bayar dalam 3/6/12 bulan berdasarkan fitur utama (DPD, CUR/utilization, on‑time rate utilitas, ARPU telco, GMV e‑wallet/e‑commerce).

Customer	Band	DP3	DP6	DP12	DPD	CUR	On‑time Util	Telco ARPU	Wallet GMV

Alternative Data

Wallet • Telco • E‑Com • Utilities

Customer	Wallet GMV (30d)	E‑Com GMV (30d)	Top Categories	Telco ARPU	Churn Risk	Utilities On‑time

Explainability & What‑If

SHAP‑like (demo)

Pick Customer

Top Contributors (SHAP‑like)

What‑If Simulation

Reduce CUR (utilization %) — Improve On‑time Utilities (%) —

Simulated DP12

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Real‑Time Monitoring & Alerts

Event Stream

Recent Alerts (24h)

Rules (active)

Create Quick Rule

DP12 ≥

Behavioral Analytics & Advice

RFM • NBA

Customer	Segment	RFM	CUR	Propensity Pay	Next‑Best‑Action

Fraud Detection & ID Verification

Device • Velocity • IDV

Customer	Device Risk	Velocity	IDV (OCR/Liveness)	Anomaly Score	Decision

Gamification & Credit Education

Levels • Challenges • Rewards

Customer	Level	Points	Challenge	Streak	Eligible Rewards