Solutions
Evaluate your customers according to the data from your operations
and the performance of your own business niche.
Generic market scores don't take into account something very valuable for effective analysis: your own business data.
4kst's Customized Credit Score is a highly assertive hybrid model, developed on the basis of more than 260 variables for individuals and companies. It complements the scores of the main credit bureaus on the market, significantly increasing the KS - a metric that measures the accuracy of predictive models.
Greater accuracy for your credit analysis.
Assess the risk more accurately from the first contact with the customer.
Possibility of customization based on your client's profile.
More efficient and assertive credit granting.
Greater reliability and fewer processes for analysis.
Hybrid models can be developed using internal and external data, depending on the client's needs.
Models integrated via a secure and easy-to-implement API.
Understand how the 4kst Customized Credit Score models are developed and their performance in numbers:
The 4kst Customized Credit Score is the only one that offers data from your own market niche.
Real testimonials from clients who have transformed their results with our Adaptive AI.
"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
"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
"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
Here you'll find quick answers to the most common questions.
We use data from your operation combined with information from the market and from 4kst's exclusive database to build a tailor-made score, adjusted to your segment.
You'll grant credit more securely, reduce defaults and increase your approvals without compromising risk.
Yes, Adaptive AI technology ensures that the model updates automatically based on new data.
Yes. 4kst's platform is 100% integrated via API, allowing you to connect to internal systems, CRMs, payment gateways or your own platforms quickly and securely.
Discover how our technology can transform your business decisions.
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