Artificial Intelligence & Credit Scoring
- The largest B2B research database in the Benelux with over 20 years of historical company data.
- Part of the world's largest business database with over 150 years of experience
- Over 30 years of experience in Machine Learning for credit scoring and data modeling
- A new, AI-driven method for developing credit scoring systems
AI & Credit Scoring
AI & Credit Scoring
Introduction
Artificial Intelligence
Layered, Explainable, Predictive
Layered
Multiple 'layers' of AI and data stacked on top of each other
Explainable
Our way of working results in a unique explainability algorithm
Predictive
The new scorecards provide better predictability thanks to AI
How years of research and training have led to our strongest AI Layered Scoring System ever
Dun & Bradstreet, a pioneer in AI and credit scoring, combines decades of experience with the latest technological innovations to transform the future of credit assessment. Our advanced AI solutions enhance the accuracy and flexibility of credit models, allowing you to serve more customers with carefully managed risk. Discover how our expertise can strengthen your research efforts, support better predictive models, and contribute to the safe and sustainable growth of your organization. Explore our solutions further to see how we can support your research goals.
About Altares Dun & Bradstreet
The largest analytical database available in the Benelux
More than 20 years of detailed company data, including company identification data, demographic business data, financial information (annual reports), payment behavior data, negative indicators, and data on bankruptcies and business closures.
- An excellent database for conducting research on credit risk
- Quality control through DUNSRight
- The database is built from verified sources worldwide
Altares Dun & Bradstreet ontwikkelt AI Layered
Altares has developed a credit scoring system that combines AI with traditional scorecards. This system is highly predictive, verifiable, and explainable. The development, called ‘AI Layered Scoring,’ uses artificial neural networks to predict credit risks more accurately while adhering to strict logical rules.
- The system combines AI with traditional scorecards for improved predictive performance.
- Unique algorithms have been developed to make AI controllable and explainable.
- A detailed scoring approach, stable and robust over time.
New scoring systems and a new dimension for customization
- Belgian score: Coming soon
- NL AI V2: Implemented and available from October 2024
- Custom AI V2 NL: A customizable system for specific business portfolios and default types, quickly deployable, and compliant with current and new regulations (EU AI Act).
Foundation for generative and self-learning credit scoring systems
Coming soon:
- Generative scoring system for optimal predictions.
- Automated feature engineering for in-depth analyses.
- Specifically developed IT platform for rapid implementation.
Want to learn more about Altares' services?
And would you like to know what Altares can do for your organization?
Frequently Asked Questions about Artificial Intelligence
Dun & Bradstreet (D&B) has the largest analytical database in the Benelux, with over 20 years of detailed company data. The database includes company identification data (such as Chamber of Commerce and KBO numbers), demographic data (such as the age and legal form of the company), financial data (such as annual reports), payment behavior data (based on DunTrade), bankruptcy information, and negative indicators (such as RSZ data in Belgium).
D&B is working on the development of generative and self-maintaining credit scoring systems. These systems will be capable of automatically generating the optimal structure for predictive models using advanced AI techniques such as feature engineering and neural networks. This will lead to even more accurate and efficient risk analysis and credit decisions, while maintaining explainability and logical consistency.
