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I-driven credit scoring using diverse alternative data for accurate evaluation.

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TEM AI Credit - Upgrade Your Credit Evaluation

TEM AI Credit accurately measures your true creditworthiness.

TEM AI Credit

Beyond traditional scoring, we evaluate your unique credit profile.

TEM AI Credit uncovers your potential and reliability using diverse data that conventional scoring systems overlook

Alternative Credit Scoring

A new beginning with differentiated, next-generation scoring

67% of adults worldwide

are underbanked or unbanked — and need a better way to be evaluated.

High-growth regions such as
Southeast Asia, the Middle East, and Africa
face significant financial-data gaps.

*Source : World Bank

Even in advanced economies,

traditional credit scoring often fails to provide accurate assessments.

Overseas workers, immigrants, refugees

Gig workers, freelancers

Homemakers, international students

Even individuals with excellent credit scores become thin-file customers when they move abroad

From developing countries with limited financial data to advanced economies with fully structured systems,

TEM AI Credit provides a universal alternative credit scoring solution.

Raditional credit scoring relies solely on past financial records

Focuses primarily on filtering out high-risk borrowers.

This approach fails to reflect a person’s current potential and financial capability.

By combining financial and non-financial data,
TEM AI Credit enables a full 360° multi-dimensional credit assessment.

Diverse Data and Scoring

TEM AI Credit enhances conventional credit scoring
by incorporating alternative data that evaluates
reliability, spending behavior, and income potential.

Device Data

iPhone/Android type and OS version

Usage Behavior

Login time, access channel, visit frequency, post-application actions and typing patterns (Form Filling data)

Behavioral Patterns

Installed apps, frequently used apps, app usage frequency, battery charging history, Bluetooth connection logs

Additional Information

Cryptocurrency-related data, psychometric assessments, partner data including retail, telecom, health, loyalty points, e-commerce, and payment behavior

Alternative Credit Scoring Model

TEM AI Credit will continue developing
alternative scoring models with its data partners
until there are no ‘unscorable’ customers left.

TEM AI Credit evaluates your credit the right way.