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Open Banking credit score for default prediction.

Validated on multiple products, our credit score identifies good customers better than the bureaus.

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Performance.

Compared like-for-like to a traditional bureau score, our score correctly identified:

15.7%

More good borrowers.

2%

More defaulters.

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What we learned underwriting 10,000 customers

Our score has maintained performance over the last 12-months in production.

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What can we do for you?

Reduce your cost per acquisition

Safely move down the risk curve

Serve your marginal decline population

Reduce friction with OB soft search

Automatically verify income

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Marginal declines.

Utilise Noggin’s risk score to increase acceptance of your marginal declines population safely, and reduce CPA.

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Open Banking soft search.

Reduce drop-off by calling our API to get our score & enrichments, before putting customers down an OB journey.

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How can I test Noggin’s Open Banking credit score?

Our pricing for categorisation is displayed in our pricing tab in the main navigation bar (at the top!). You can choose to pay either per API call or per Monthly Active User.

Is Noggin authorised to provide credit references today?

To access and review Noggin’s categorisation taxonomies, please reach out to us directly at support@nogginhq.co.uk or book a call with our sales team.

What is Open Banking soft search?

Yes! You can cancel our Starter package at any time, which is £300 per month. Alternatively, we’re happy to organise a one-off retro before you purchase a plan.