Scenario: Loan Issuance. Borrower Screening. Next-Generation Credit Scoring: How to Identify Default Risks at the Application Stage

Non-performing loans (NPLs) and fraud are key challenges for any financial institution. Traditional scoring models, based on credit history and income verification, are effective but have their limitations. They analyze past behavior but cannot accurately assess hidden factors and the borrower’s true intentions in the present.

The Pravdalist.ai platform is an innovative technological tool for in-depth risk analysis that seamlessly integrates into existing credit scoring processes and helps identify hidden financial risks even before an application is approved.

How it works in the lending process:

1. Standard interview: A credit specialist or automated call center conducts a verification interview with the potential borrower on key points of the application form.

2. Automated analysis: The audio recording of the conversation is transmitted via API to the Pravdalist.ai system. Voice spectral analysis algorithms (Pravdalist VSA) process the spoken speech, detecting micro-vocal markers of stress and increased cognitive load.

3. Objective risk assessment: Based on the analysis results, the system instantly generates a report. The comprehensive trust score (Voice Risk Score) is transmitted to the banking system, serving as an additional significant factor for the predictive scoring model.

What Pravdalist.ai can verify:

• The actual purpose of the loan (whether the funds are used for the stated purposes or for hidden refinancing of other obligations).

• The accuracy of data regarding actual income, work history, and current place of employment.

• The existence of hidden debt obligations that the customer fails to disclose when filling out the application.

Key benefits for the financial sector:

• Reduced NPL rates: Screen out high-risk clients and fraud at the earliest stage of verification.

• Improved model accuracy: Enrich scoring with unique biomarkers of cognitive stress, increasing the predictive power of the entire assessment system.

• Operating expense (OpEx) optimization: Reduce the workload on the underwriting department and minimize future costs associated with pre-litigation and litigation collection.

• Flexible API integration: Automatically receive results in both PDF format for manual review and structured JSON format for instant machine analysis.

Stop relying solely on historical data. Start analyzing intentions in real time. Integrate Pravdalist.ai technologies into your risk management system to protect and scale your portfolio.