Goscore
Goscore is a lending growth intelligence platform that works alongside existing scorecards and decision systems, using consented Open Banking data to deliver verified income, obligations, and behavioral risk features. The platform provides explainable risk indications with reason drivers and an evidence pack through API, batch, or standalone review flows, keeping the bank in control of policy and final decisions. In a partner case, Goscore improved acceptance from 17.5% to 29.8% while reducing defaults from 11.7% to 9.7%.
- Financial Technology
- Data & Analytics
- Software Only
Funding
Funding not disclosed
Founders
Founder details are not available yet.
Product
Problem
Traditional credit scoring relies on limited data sources and existing scorecards that often decline creditworthy applicants or approve risky ones. Lenders lack granular, real-time visibility into applicants' actual income, obligations, and spending behavior, leading to suboptimal acceptance and default rates.
Solution
Goscore provides a lending growth intelligence platform that works alongside existing scorecards and decision systems, keeping the bank in control of policy and final decisions. Using consented bank account data obtained through Open Banking, Goscore cleans up raw transaction text, categorizes spending into consistent structures, and derives stable features such as verified income, recurring obligations, disposable income, and behavioral risk indicators. These features are delivered as a risk indication with explainable reason drivers and an evidence pack, through one API response per applicant, batch files for historical backtests, or a standalone review flow. The platform validates performance through historical replay or shadow mode on new consented applications without altering live credit policy, and in a partner case improved acceptance from 17.5% to 29.8% while reducing defaults from 11.7% to 9.7%.
Target Audience
Primary customers are banks, lenders, and credit institutions that already run their own scorecards and decision systems and need additional affordability analysis and credit risk evidence to improve acceptance and default rates.
Features
- Open Banking / PSD2 consent-based access that reads only what the consent covers, for the purpose it was given
- Transaction clean-up and deduplication across banks, normalizing free-text merchant names into one consistent structure
- Automatic categorization of transactions into income, essential spending, obligations, other spending, and transfers, with consistent meaning across banks and time
- Stable named features including verified income, income stability, recurring obligations, disposable income, affordability at a given instalment, and behavioral risk indicators
- Explainable decision support with reason drivers in customer-facing language, and a full decision trace from source to feature to threshold to outcome
- Four integration modes: historical replay, shadow mode, API request per applicant, and standalone hosted consent flow
- Customizable thresholds and bank policy controls, with the final decision always remaining with the lender
- Regulatory supervision as a Norwegian credit reference agency under Datatilsynet