Assess private customers’ creditworthiness transparently

Banks and credit providers assess the creditworthiness of private individuals, including for instalment purchases

Needs setupStrictly regulatedAssessing & selecting peopleBanking & finance, FinTech & payments

Fits: Finance & accounting · Sales

Loan applications and instalment purchases are checked faster and more consistently, and every rejection can be explained to the customer in an understandable way. Credit decision-makers concentrate on the cases that need a real judgement.

Is this for you?

  • You check many similar applications, e.g. instalment loans or instalment purchases in online retail.
  • You have a credit risk department that can check and explain models, and well-established cooperation on data protection and supervisory matters.
  • You are prepared to have every rejection reviewed by a human if the customer wants this, and to state the reasons in an understandable way.
First step today

Without customer data: write down the characteristics that go into your score or a planned model, and use the template below to check them for predictive value, hidden discrimination and explainability. You also get a standard text block for understandable rejections.

How to go about it

  1. Set out the purpose and characteristics of the score
  2. Get the legal position clear before you start
  3. Check application data for gaps and bias
  4. The score suggests, the credit decision-maker decides
  5. Inform applicants in an understandable way
  6. Check decisions for fairness regularly

Templates to copy

Try it now
in the training
Analyse
in the training
Plan the rollout
in the training
Included in the training

The complete guide

  • 6 steps explaining exactly what to do
  • 3 proven templates to copy into your own AI
  • Safe use: data, checking, deciding, informing
  • Pitfalls, effort and how to recognise success

With the training you get all 430 guides for as long as your access runs.

See the trainingOne-off per person, no subscription

Same approach, other use cases

16 more use cases follow the pattern “Assessing & selecting people”.

Advise jobseekers on suitable retrainingAnalyse fleet driving behaviour to reduce accidentsCheck prospective tenants’ creditworthiness fairlyFind suitable candidates in profiles and your databaseHave AI pre-mark essays and examsHave AI pre-sort job applicationsHave AI prepare underwriting and premium calculationHave online exams supervised by cameraHave practice tasks adapted to learners’ levelIdentify training needs from service conversationsMatch temporary workers to suitable assignmentsConduct first job interviews via video AI
‹ PreviousSee all use casesNext ›

BF-01 · Legal status 08.10.2026 · Creditworthiness of natural persons (Annex III No. 5b)