new to bank scorecard

NTB Case Study

An Application Scorecard for New to Bank Applicants

The Challenge

  • To increase the number of loans disbursed for a new to bank (NTB) personal loans product.
  • Limited information about new to bank customers.
  • Low and unstable predictive power of traditional application data.
  • > 90% of new to bank applicants were rejected under their existing decisioning policy.

The Solution

  • CredoLab standalone white-labelled mobile application.
  • IT integration: 4 weeks end-to-end deployment.
  • Application scorecard with target 30 dpd @ 4MOB.


A significant increase of loans disbursed with a delinquency increase of only 2.3%.



User Adoption


Time to Yes

90 sec

*Clients who installed the white-label application and proceeded with thedata analysis

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