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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

Your credit will be evaluated accurately with TEM AI Credit.

TEM AI Solution

TEM AI Credit provides a next-generation credit evaluation system that integrates both traditional and alternative credit scoring.
It is an automated decision-making system that combines application data, financial transactions, and alternative data.
Using TEM AI’s proprietary technology, algorithms, and risk-management framework, it significantly enhances scoring accuracy.

Alternative Data
Financial Data
TEM AI/strong>
Credit Evaluation
Finance & Fintech Join
TEM AI Solution
  • Feature Creation

    We generate over 300 variables from mobile and social data, capturing relational, psychological, and behavioral patterns to estimate a customer’s willingness to repay.

  • Data Preparation

    With user consent obtained through the app or web, we collect over 12,000 dimensions of unstructured data from mobile, email, SNS, and other sources.

  • Feature Selection

    Through iterative machine learning using Lasso Models and Greedy Forward Selection, we identify the most predictive set of variables.

  • Feature Transformation

    Using nonlinear transformation, normalization, and decision-tree analysis, we detect outliers and variable interactions, creating refined and derived features.

  • Stability Diagnosis

    To validate model stability, we randomly split the data into five groups for cross-validation and conduct additional out-of-sample testing.

  • Modeling

    Through extensive iterative experimentation, we determine the machine-learning algorithm that best fits the development dataset.