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Credit Score

A credit score is an assessment that measures an individual’s financial trustworthiness. Financial institutions use this evaluation to automate their loan approval processes. Beyond loans, it can also be applied for insurance assessments and various other types of evaluations.

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Advantages:

  • Open API: Accessible to all financial institutions.

  • Customizable Models: Financial institutions can develop models tailored to their target markets.

  • Flexible AI Models: Ability to create AI-driven scoring models as needed.

  • Multi-Channel Calculation: Financial institutions can perform calculations using data from various channels (web, app, core systems).

  • Real-Time Credit Scoring: Credit scores are generated in real-time based on the financial institution’s decision-making criteria. Institutions can also directly utilize MOST’s core Credit Scoring system.

Credit Score

Based on user requests, the MOST platform analyzes transaction data, account statements, and user information obtained from the ZMS and KUR systems using mathematical models and artificial intelligence.

Partner organizations have the flexibility to customize and develop their own evaluation models according to their specific requirements.

How It Works

For online loans, all processes are completed within 3 minutes.

  1. Upon Customer Request
    Collect information from available channels.

  2. Financial Institutions
    Government services, EMongolia, HUR, DAN.

  3. MOST Platform
    Processes the collected data.

  4. Based on the Client’s Model
    Generates the evaluation result.

  5. Loan Account Creation
    Opens the loan account online and disburses the loan.

  6. Notification
    Sends a notification once the loan request is approved.

Types of Credit Evaluations:

  • Credit Score Calculating Customer’s Financial Capacity:

    • Consumer Loans

    • Secured Loans (with savings collateral)

    • Salary Loans

    • Purchase Loans

    • Assigns a credit rating score for the customer.

  • Auto Valuation Credit Score:
    Calculates the current market value of the vehicle.

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