Platform - Panthera Alternative Credit Scoring

Data Inputs

Alternative signal sources your bureau can't touch.

Panthera connects to mobile payment networks, e-commerce platforms, utility billing systems, and payroll processors through direct partnerships and standardized data feeds. No bureau data required at origination.

Mobile Wallet Transactions

MoMo, ZaloPay (Vietnam), GoPay, OVO, DANA (Indonesia), GCash, Maya (Philippines), PayPay (Japan). Transaction velocity, peer transfer patterns, top-up regularity.

Utility Bill Payment Records

Electricity, water, and telecom billing histories from national and regional utilities. On-time clearance rate, payment delay distribution, seasonal adjustment.

E-Commerce Purchase History

Shopee, Lazada, Tokopedia, and regional platform transaction records. Installment repayment behavior, purchase regularity, return patterns as income proxy.

Payroll and Income Transfers

Payroll deposit timing, salary regularity index, employer consistency signals, and bonus cadence from banking transaction metadata with borrower consent.

Alternative data signal sources visualization showing mobile wallet, utility, and e-commerce data streams

Model Architecture

Per-market models. Not a pooled approximation.

A single model trained across markets produces worse outcomes in every market than country-specific models. Distribution shift is real. Panthera maintains separate gradient boosting models for each of its four markets, tuned to local data availability, economic seasonality, and regulatory constraints.

Gradient boosting with SHAP explainability built into the inference pipeline, not applied post-hoc.

Models retrained quarterly against live repayment outcome data to prevent drift.

Reason codes reference actual contributing features, not backward-engineered rationalizations.

Regulatory documentation for OJK (Indonesia), BSP (Philippines), SBV (Vietnam), and FISC (Japan) produced per deployment.

Integration API

One integration, four market models.

The Panthera API accepts alternative data inputs and returns a score with reason codes in under 800ms P99. No bureau pull required. Lenders route requests to the appropriate market model via a single endpoint parameter.

REST API with JSON request/response, OpenAPI 3.0 spec provided at onboarding.

Batch file ingestion for retrospective scoring of existing portfolios before go-live.

Webhook callbacks for asynchronous scoring on large batch jobs.

Sandbox environment with synthetic borrower profiles for integration testing.

TLS 1.3 in transit, AES-256 at rest. Data residency options per market regulatory requirements.

# POST /v1/score - request body
{
  "market": "indonesia",
  "applicant_id": "ap_7k2m9p",
  "data_sources": [
    "mobile_wallet",
    "utility_billing"
  ],
  "wallet_token": "tok_gopay_...",
  "utility_token": "tok_pln_..."
}

# 200 response
{
  "score": 748,
  "band": "B",
  "reason_codes": [
    "R1: High wallet velocity",
    "R2: Consistent bill clearance",
    "R3: Income regularity"
  ],
  "latency_ms": 312
}

Get Started

Ready to integrate alternative credit scoring?

Talk to our integration team about sandbox access, data partnership requirements, and what a pilot deployment looks like in your market.

Request Access See How It Works

One API. Four markets. 200+ behavioral signals.