Defy Ventures portfolio  /Live

d.risk

Credit judged on real economic activity.

The problem

No history, no credit.

Our mission

d.risk gives lenders, financial institutions and credit bureaus a way to assess the creditworthiness of individuals and small businesses with little or no formal financial history. It uses AI and financial behaviour analytics to make risk assessment fairer and more accurate.

Vision

Creditworthiness is assessed on real economic activity, not on models that exclude.

What it does
  1. 01Risk assessment built on alternative data and AI.
  2. 02Partnerships with financial institutions and lenders.
  3. 03Indicators that reduce bias in credit scoring.
  4. 04Risk models that evolve with each person’s financial behaviour.
Our clients
  • Lenders
  • Financial institutions
  • Credit bureaus
Use cases
Next venture 05 / 06D4Good