Score borrowers your bureau data can't see.
Panthera extracts cash-flow signals and repayment patterns from alternative data to score thin-file borrowers in Vietnam, Indonesia, the Philippines, and Japan, the applicants your current model rejects without review.
Bureau coverage stops at the formal economy.
In Vietnam, Indonesia, the Philippines, and Japan combined, more than 500 million adults have thin or absent credit files. They hold jobs, receive income, and repay small obligations every day. Standard bureau scoring simply can't see any of it.
From raw transaction data to a scored decision in seconds.
Panthera's pipeline ingests alternative data streams, extracts 200+ behavioral features, and returns an interpretable score with reason codes.
Ingest alternative data
Panthera connects to mobile wallet transaction logs, e-commerce purchase history, utility billing records, and payroll transfer data through a single API or batch file ingestion. No bureau pull required.
Extract behavioral features
Our per-market models extract 200+ features spanning cash-flow velocity, repayment regularity, income seasonality, and obligation clearance patterns. Each feature set is tuned to local data availability and regulatory constraints.
Score and explain
The API returns a 0-1000 Panthera Score alongside up to five human-readable reason codes tied directly to the model features that drove the decision, not post-hoc rationalizations.
Numbers from production pilots.
Lenders integrating Panthera consistently approve more borrowers without lifting default rates. These figures come from live pilot deployments.
"Our approval rate on thin-file applicants increased 35 percent without any increase in 90-day delinquency. Panthera's reason codes also made it straightforward to explain rejections under OJK guidelines."
Chief Risk Officer, OJK-licensed digital lender, Indonesia
"We had essentially no scoring capability for OFW remittance-receiving households. Panthera's utility and wallet features gave us a workable signal where the bureau had nothing."
Head of Credit, Consumer Finance Company, Philippines
Four markets. One integration.
Panthera's models are built and maintained per country to match local data availability, regulatory requirements, and borrower behavior.
Ready to score the borrowers your model leaves behind?
Talk to our team about pilot pricing, data integration requirements, and what approval lift to expect in your market.