Admiral Money, the personal finance arm of the Admiral Group, has joined forces with D•One, the open banking services division of The ClearScore Group, to integrate D•One’s proprietary risk-scoring technology into its credit assessment process.
The partnership will see Admiral Money deploy D•One’s AI-powered predictive model, which draws on open banking data to surface both positive and negative risk signals embedded within customer transaction data. The technology is designed to enable more granular and precise credit assessments, with the ultimate aim of delivering more competitive pricing to borrowers.
D•One’s scoring model is intended to move lenders beyond sole reliance on traditional credit reference agencies, building a fuller picture of a customer’s financial position. The company applies advanced data science techniques, including machine learning and AI, to interpret transaction-level data, supporting lenders in better evaluating affordability and overall lending risk.
D•One managing director Tim Kelleway said, “Open banking data provides a far more holistic and precise view of creditworthiness, and our groundbreaking risk score gives lenders risk-splitting power more than that offered by traditional credit bureau models. The work we are doing with transaction-level data and AI-facilitated data modelling is undoubtedly changing the future of credit decisioning in the UK.”
Admiral Money partnership director Jennie Richards said: “This partnership marks an important step forward in how we assess a customer’s eligibility beyond traditional credit bureau data, using the predictive power of transaction data to make faster, more informed decisions and deliver even more competitive pricing. We look forward to building on this collaboration in the months ahead.”
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