At AGAM, we collect, curate, and analyse data from a large range of alternative data sources (fully consented) for a holistic and ethical understanding of an individual’s creditworthiness. Our usage of alternative data sources includes smartphone digital footprints, behavioral, and psychometric to assess the credit risk of anyone. Our intelligent system is based on proprietary and sophiticated predictive modelling, therefore allows every lending decisions in real time.
In short, our system requires minimal functioning time and maximum output resulting in higher and faster approvals with fewer defaults.
Our unique credit decisioning tools draw from diverse, large data sources using machine learning modelingtechniques. We can assess anyone. Our tools are universally and uniquely able to score anyone regardless of demographics, location, technology access or previous financial history.
As a Tech for Good platform, we support banking partnerships fair lending practices, education and female empowerment.