What is Credit Scoring and How can it be improved?

Digital pre-employment screening can help them build a strong and successful workforce

Using Alternative Data for Credit Underwriting and Decision Making

Guarding consumer privacy in the era of alternative credit data

The surge of digital banks in the Philippines aimed at boosting financial inclusion is now met with challenges in loan collections, as indicated by BSP Governor Eli Remolona Jr. In this post, we delve into the obstacles faced by Philippine digital banks and how Smile API offers a transformative remedy.

Smile's Ability to Share Accurate Employment and Income Information of Borrowers is Transforming Credit Risk Assessment and Lending Processes

By automating the extraction and validation of income information, Smile empowers businesses to make better credit decisions, hire faster and more effectively, and streamline processes that rely on accurate income data.

Smile API's Sample Apps serves to inspire developers looking to leverage open data and create innovative solutions. By building on Smile's API, developers can unlock vast potential to enhance user experiences, improve developer efficiency, and drive better customer service.

Unlocking New Use Cases for Employment and Credentials Validation

In today's highly competitive and fast-paced business environment, hiring the right talent is crucial for success. A bad hire can have disastrous consequences, both financially and operationally, for organizations of all sizes.