Inclusion Score · For lending teams
A thin credit file is not the whole story.
Evaluate thin-file applicants with additional digital identity context, starting with the email and phone you already have.
Complement your information. Your institution decides.
What it adds to your assessment
Credit history shows one part.
Digital identity adds another.
Inclusion Score adds complementary information when credit history is limited. It does not replace your models or make lending decisions.
Established credit history
Credit history, reported accounts and past borrowing.
The identity behind the application
Digital context from email and phone.
- 01
Email context
Information to explore the digital identity associated with an application’s email address.
- 02
Phone signals
Context from the phone number and carrier-related information.
- 03
Digital presence
An additional perspective on the applicant’s presence across digital services.
Signal availability and evaluation scope are agreed with QUASH.
Before you integrate
Assess the contribution
within your own portfolio.
Start with a business question. Define what you want to learn and how you will review the findings alongside your existing information.
- 01
Define the use case
Agree on the applicant population, questions and data needed.
- 02
Review the information
Explore digital identity context alongside your current signals.
- 03
Choose the next step
Compare findings with your own outcomes and decide whether to move forward.
Scope, timing and terms are defined with the team.
Before we talk
A few things
to know.
The starting point is the email and phone your institution already has. The population, data and scope are agreed with QUASH before the evaluation.
No. Inclusion Score adds complementary information. Your institution retains its models, criteria and lending decisions.
QUASH uses a REST API approach to bring digital identity into existing processes. The specific implementation is defined with your team after reviewing the use case.
To understand what additional information it brings to your portfolio and how it fits your process. Scope and review criteria are agreed in advance.
Let’s explore the fit
Start with
your use case.
Tell us about the applicants you want to understand and the information you use today. Together, we can define the question, data scope and criteria for an evaluation.
Evaluation scope, timing and commercial terms are agreed with the QUASH team.