Traditional credit scores paint only part of the picture. Glib.ai takes you beyond the surface with dynamic, AI-powered credit scoring models that assess financial behavior, alternative data, and real-time risk signals.Our system gives banks and NBFCs a more accurate, inclusive, and forward-looking view of borrower risk — helping you lend faster, safer, and smarter.

"GLIB.ai will help us assess merchant risk in a better and more efficient manner. With FinRay, we can quickly analyze key ratios from financial statements across multiple languages."

Francesco Garcia

Director - Merchant Credit Risk

Other Use Cases

Underwriting Automation Credit Scoring Fraud Detection Automated Document Processing Loan Eligibility Prediction

Trusted by leading businesses

Key Benefits

Alternative Data Utilization: Goes beyond bureau scores by analyzing bank statements, cash flows, recurring income, digital payments, and behavioral trends.
Superior Risk Prediction: Predicts delinquencies and defaults with higher accuracy by using real-time indicators and dynamic scoring models.
Fair & Inclusive Lending: Reduces dependency on legacy credit history and improves access to credit for underserved or new-to-credit individuals.
High-Speed, Scalable Scoring: Scores thousands of applicants per minute using auto-scaling AI pipelines — enabling instant decisioning at scale.
Customizable Risk Models: Adjust scoring thresholds and risk weights as per your lending policies, geography, or customer segments.
Compliance-Friendly: Built to align with Indian financial regulations and explainable AI principles to ensure ethical lending and auditability.