DigiFi for Credit Card Underwriting

DigiFi empowers credit card issuers to go beyond traditional underwriting to reduce default rates and increase volume, with powerful predictive models trained by our ML platform

  • Leading-edge ML models built with neural networks & boosted trees
  • Integrations with credit bureaus, alternative bureaus and other sources
  • Innovative machine learning explainability for bank-level compliance
Schedule Call
From Our Blog
Explainable Machine Learning to Meet Bank-Level Compliance

As models get increasingly powerful, they also get harder to understand, creating potential compliance issues within financial services. Explainable machine learning aims to solve this...

READ MORE
POWERFUL PREDICTIVE MODELS
FULLY EXPLAINABLE DECISIONS
BANK-LEVEL COMPLIANCE

Reduce Loan Defaults

Take your underwriting beyond standard credit scores with exceptionally accurate risk models built with next-generation machine learning algorithms

Approve More Customers

Identify more creditworthy borrowers with predictive machine learning models and unlock new online distribution channels with automated underwriting

Eliminate Black Boxes

Benefit from transformative transparency by seeing exactly how decisions are made including clear reasons for complex machine learning predictions

Transform Your Credit Card Underwriting

Take your underwriting to the next level with powerful machine learning and credit policy automation

IMPROVED CREDIT DECISIONS

Our ML models are exceptionally powerful, driving more approvals and eliminating adverse selection

SERVE MORE CUSTOMERS

DigiFi’s platform empowers lenders to better address a wider credit spectrum, including thin-file applicants

CREDIT CARD INTEGRATIONS

We connect directly to the third-party data sources you need, such as traditional and alternative bureaus

INSTANT APPLICATION PROCESSING

Your other systems can connect to via API to instantly process applications in real-time

EXPLAINABLE MACHINE LEARNING

DigiFi’s proprietary explainability framework provides specific reasons for every decision

ACCELERATED BY TECHNOLOGY

Our platform optimizes and automates underwriting processes in a fraction of the time and cost

Our Underwriting Solutions

Machine Learning Risk Models

Extremely accurate predictive models trained with your data and next-generation machine learning

LEARN MORE
  • Exceptional power relative to traditional risk scores, such as FICO® or VantageScore®
  • Leverages leading-edge ML tech, including neural networks and gradient-boosted trees
  • Clear explanations for complex ML decisions to meet bank-level compliance requirements

Underwriting Automation

Turnkey automation of your credit policy, underwriting rules and data integrations

LEARN MORE
  • Digitizes credit requirements, scoring models, risk-based pricing and exposure management
  • Direct integrations with credit bureaus, alternative data providers and other sources
  • Simple API for instantly processing real-time decisions with complete accuracy

Digital Lending

Online lending and affiliate lead generation solution that integrates with your existing LOS

LEARN MORE
  • Delight your customers with a smooth digital process and instant underwriting responses
  • Efficiently process thousands of high-quality applications from lead-gen affiliates
  • Fully managed solution that sits on top of your existing LOS and is simple to set up
DigiFi