| The name of the base system (platform): | Experimental design bureau: Scoring of Bureau |
| Developers: | Joint Credit Bureau (JCB) |
The Individual Card tool is used when forming solutions on credit cards and cash loans.
"The individual card" – the tool of experimental design bureau which integrates in itself(himself) all parties of traditional scoring. At the same time it in addition considers features of new clients and the existing portfolio of specific credit institution. The analytical tool is capable to estimate solvency of the borrower on the basis of data from his credit history and has exclusively behavioural character. The final result of assessment forms in the form of point which reflects the probability of a default of the client within the next 12 months. For creation of scoring these 300 million credit stories from experimental design bureau base are used.
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