Tivani / Platform
AI-Powered Credit Scoring Engine
A credit decision in a fraction of a second, built on live behavior — not yesterday’s reports. Tivani’s scoring engine evaluates hundreds of parameters at once: active loans, bounced cheques, repayment-delay patterns down to a single day — and returns the result with transparent feedback, without ever degrading the user experience.
The problem
Why traditional credit checks fail
Static, backward-looking reports
Conventional bureau pulls show the past; an applicant’s live obligations and today’s behavior are invisible.
Coarse behavioral resolution
Legacy systems only see hard defaults; the difference between a punctual customer and one who is always a few days late disappears.
Slow, friction-heavy process
Multi-day underwriting means losing the applicant inside your own funnel.
One model for everyone
When limits and terms are identical for all, real risk is neither priced nor managed.
The solution
What the Tivani scoring engine sees
Live obligations, not just history
Each user’s active loans and bounced-cheque status are seen and weighted at the moment of decision.
Day-level delay precision
Even a single day of installment delay affects the model; delay patterns — homogeneous or irregular, past and present — are separated and analyzed.
Hundreds of parameters, sub-second
Loan amount, bank type, collateral type, installment count, repayment history and dozens more signals combine into one decision.
Ecosystem behavioral signals
User behavior across Tivani’s strategic-partner network forms a data layer no external report has.
Instant answer, transparent feedback
The result is returned immediately and the user understands what influenced their score — with zero added friction.
Native to the whole platform
Score output feeds directly into credit allocation, limits and repayment terms; no separate integration.
Value
The value Tivani creates for you
Lower defaults via early detection
Fine-grained delay patterns expose risk before it becomes an overdue receivable.
Frictionless applicant experience
Sub-second decisions mean applicants never wait, and funnel conversion is preserved.
Fairer, personalized decisions
Every user is assessed on their own real behavior — not a group average.
Tooling
Key tools in this module
Live Liability View
Real-time visibility into each applicant’s active loans and current obligations.
Cheque Signal
Bounced-cheque status monitored as a high-risk signal in the model.
Delay Pattern Engine
Day-precision analysis of delays — separating consistent from irregular patterns.
Scoring API
Sub-second score responses, ready to plug into any origination flow.
Behavioral Graph
User behavior signals across the strategic-partner ecosystem.
Explainable Feedback
Transparent feedback to the user on what shaped the outcome, at decision time.
Other platform modules
Ready to upgrade?
Talk to the Tivani team and see how this module transforms your organization’s credit infrastructure.