Assessment of the probability of default based on the borrower’s residential address
Scoring based on the geographical location of the borrowers
Analysis of defaults based on the geographical location of residential addresses reveals obvious “good” and “bad” clusters on the map, which makes it possible to effectively use this factor.
Borrower’s current ID data and the history of changes made to it.
A value from 0 to 1 that determines the probability of a missed payment by a borrower.