Solutions
Assess the credit risk of your recurring customers on an individual basis based on the behavior of your own base.
4kst's Behavioral Models are developed on the basis of customer behavior data in relation to the company itself and are therefore excellent tools for making more agile and effective decisions.
O Behavior Score is dynamicadapts to changes in customer behavior in real time and allows companies to understand and react to these changes, whether in credit operations, the fight against fraud, money laundering, portfolio management, customer portfolio management, KYC processes, etc.
React to changes in the market, monitor your customer's behavior
and ensure efficient management of your business.
Greater knowledge of the customer based on their behavior with the company itself, allowing for better predictability and faster reactions.
Always up-to-date information for making decisions at the right time.
Automated analysis processes ensuring operational efficiency.
Understand how 4kst Behavioral Models guarantee qualified information in real time.
Monitor your customer's behavior and ensure efficient management of your business.
Real testimonials from customers who have transformed their results with our Adaptive AI
"The results were so good that I was suspicious, but I checked and they were right: defaults went from 33% to 13% in one market, from 37% to 19% in another. I don't know anyone who does it the way 4kst does, with this degree of personalization and evolution."
Thiago Lucas Queiroz de Sá
Relationship and Customer Experience Manager
VOX
"The score isn't off-the-shelf, it's personalized, thought out and specific. The model is developed using our data and not just market data. It's more niche. 4kst gives me the exact remedy for my illness. It is 4kst that is leading to a reduction in our default rates. We've already achieved a 30% reduction. To improve this figure we need to cut credit, but we can't make the business unviable."
Financial Management
Todescredi
"We used to do the analysis manually. My pain was to have a robust score that took into account all our particularities: my portfolio, the history of clients and their risk ranking, where I am economically inserted, the 9 companies in the group and the various products involved. The 4kst model provided personalized decision-making, which was very important!"
Eliane Vieira
Credit and collection policy manager
Edenred
Optimize your strategic decisions with the market's most assertive forecasts.
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