Sbrain - AI Credit Scoring

source[code] empowers businesses with scalable AI-powered tools to optimize workflows, improve decision-making, and drive operational efficiency
Sbrain helps banks and lenders assess creditworthiness faster and more accurately—powered by AI, aligned with compliance.
Accelerate loan decisions and expand financial inclusion with explainable, compliant AI scoring.
What is Sbrain?

Sbrain is source[code]’s proprietary AI credit scoring engine that helps financial institutions automate loan evaluations, reduce default rates, and improve access to credit. Built with explainability and transparency, Sbrain enables responsible lending with real-time decisioning.

source[code]
KEY FEATURE
source[code] – AI Credit Scoring Engine

Accelerate onboarding processes while ensuring compliance and accuracy. 

WHY US
Why Choose Sbrain?
Faster Approvals
AI speeds up credit decisions by 30%+, improving time-to-offer and conversion.
Lower Risk
Predictive models identify high-risk applicants early and reduce default rates.
Broader Access
Score thin-file and underserved borrowers using alternative and behavioral data.
Transparent & Compliant
Explainable AI ensures decisions meet Basel IV, GDPR, and audit standards.
Industry Applications
Retail Banks
Evaluate credit card, personal loan, and line of credit applications in real time—enhancing decision speed and customer experience.
Digital Lenders
Automate high-volume loan decisions across multiple digital channels while reducing risk and manual effort.
SME Lending Platforms
Assess the creditworthiness of small businesses using limited financial data, alternative data sources, and behavioral patterns.
BNPL (Buy Now Pay Later) Providers
Instantly score and onboard customers at the point of sale, with real-time credit checks and minimal friction.
Drive Business Efficiency with AI-Powered Solutions
Discover how source[code]'s GenAI & Digital Human solutions help enterprises reduce costs, increase efficiency, and scale intelligently.
STEPS
Our B2B Approach to AI Integration
Step1
Strategic Credit Scoring Consultation
Align Sbrain's capabilities with your lending criteria, target segments, and regulatory needs.
Step2
Model Customization & Data Mapping
We design tailored scoring logic using your historical and behavioral data, with built-in explainability and fairness checks.
Step3
System Integration & API Deployment
Sbrain connects with your existing LOS, CRM, or data pipeline—on cloud or on-premise—with minimal disruption.
Step4
Testing, Auditing & Compliance Validation
Validate outcomes, ensure auditability, and meet Basel IV, GDPR, or local credit bureau requirements.
Step5
Continuous Optimization & Learning
We monitor model performance, retrain with outcome data, and help improve scoring accuracy over time.