Turn cashflow intocredit decisions.
Every salary credit, every settlement, every bill paid on time is a credit signal. AdalFi reads them next to the bureau record, in real time, so you can say yes to the customers you have and the ones still building a file.
A bureau file is the outside-in view. Cashflow is the inside-out view. A good decision needs both.
The record says how someone has repaid. The account says how they earn, spend and hold money, day by day. Read together, they give you a borrower you can actually price.
Where a bureau file exists, we enrich it. Where it doesn’t, we are it.
Open banking made the flow visible. It still has to be read.
One consent. Twenty-four months of transactions, in seconds, through a SAMA-licensed Open Banking provider. That is the pipe. AdalFi is what sits at the end of it.
And where the account is already yours, no pipe is needed at all. Core banking data goes straight to the reader.
If you’re an acquirer, every settlement is a signal. If you’re a bank, every salary credit is. The problem was never access.
A credit team reads a few hundred files a quarter. AdalFi re-scores the whole base every month. Each square below is 100 accounts.
What a decision is made of.
Pick a customer. Ninety days of their account is the application. The signals are the ones AdalFi’s models weigh; the figures are modelled to show the mechanism, not drawn from any lender’s book.
Predicted 12-month loss —
The contractor is the point. A model that says yes to everyone is a marketing model. This one prices lumpy cashflow down and shortens the tenor, at the same cost per decision as the café.
