Traditional credit scoring methods have served the industry well, but AI-driven risk assessment is unlocking faster, more accurate, and scalable credit approvals.

At ZOOD Tech, we have transformed our credit approval process by integrating advanced machine learning (ML) models and alternative data sources, ensuring stronger risk performance while doubling loan approval rates.
From Traditional to AI-Powered Scoring

We moved beyond regression-based scorecards to leverage:
✅ XGBoost & LightGBM – High-performance ML models for structured data
✅Random Forest – An ensemble approach for improved accuracy
✅AI-driven automation – Reducing manual processing and biases

Beyond Conventional Data: Smarter Risk Decisions

By incorporating alternative data sources, we capture deeper insights:
📌 Digital footprint – Online behavior & device interactions
📌Behavioral patterns – Spending habits & transaction trends
📌Social signals – Engagement & risk indicators

The Results? 🚀
🔹 2x increase in loan approvals
🔹30% reduction in bad rates
🔹Stronger risk management, surpassing market benchmarks

At ZOOD Tech, we are continuously innovating to build the future of AI-powered credit decisioning, making risk assessment smarter, faster, and more inclusive.