Instant Approvals. 100% Digital Onboarding.
AI scoring finds the right customers, assigns personalized, risk-based limits and pricing, and approves in seconds. Seamlessly integrated with your card management system for origination, servicing, and lifecycle management.
- Instant Approvals
- AI-Powered Scoring
- Seamless CMS Integration
Card Issuance
- Real-time transaction data analysis to find overlooked creditworthy borrowers
- AI+Policy decisioning with affordability caps and explainable reason codes
- Instant pre-qualification for existing customers; Open Banking scoring for new-to-bank
- Personalized initial credit lines and pricing based on risk and propensity-to-spend/repay
- Event-driven line adjustments (on-time payments, income changes, utilization patterns) with guardrails
- Secure, personalized link or in-app flow
- Realtime bureau fetch and eKYC to complete qualification
- SDKs/APIs integrate with your card management system for origination, servicing, and lifecycle events
- Event-triggered, omnichannel campaigns to drive activation and first-spend (SMS/email/push/in-app/agent)
- Tailored rewards and targeted promos based on spend patterns; pre-approved upgrades/BT offers
- Campaign outcomes feed back to improve conversion, LTV, and portfolio quality
Loved by Card Holders. Trusted by Lenders.
and policy control.
Take Your Card Program to
the Next Level
Borrower applying with instant credit scoring
AI-driven credit limit assignment
Approval + instant digital card issuance
Take Your Card Program
to the Next Level
Borrower applying with instant credit scoring
AI-driven credit limit assignment
Approval + instant digital card issuance
Shared Revenue
Shared Risk
When your loans perform, we share the upside. If they don’t, we share the loss in direct proportion to our share of the gain. Our incentives are fully aligned with yours.
With AdalFi, smarter scoring is backed by true partnership, where the growth upside and the risk downside are both shared. Your portfolio’s success is our success.
Trusted by lenders
who move fast
“Our numbers are now well in the Billions, and have hit double digits which is great progress.”
“Our collaboration has produced the desired result which is to use data, for machine-learning based modeling for credit decisioning and it’s really paying off”
“Now the dream of someone sitting on a sofa dreaming about a household appliance or a vacation can actually happen while they’re sitting in their bedroom because all they have to do is apply, AdalFi takes care of all the magic on the backend and the customer gets money in their account”
EXPLORE