VSoft Scoring

VSoft Scoring is a solution that supports the assessment of the credibility of an entity (usually a natural person, but also companies) in order to obtain a financial product.


Our platform can be used in many business areas and respond to the requirements set by behavioural, application or credit verification. VSoft Scoring platform can be implemented as a central place for risk assessment in a given organization, as well as in the model of full integration with product systems. The platform can be an extension of the VSoft Credit solution dedicated to handling credit processes and act as an engine for customer scoring.

The most important benefits of implementing VSoft Scoring:



KompleksoRozwiązanie do oceny wiarygodności podmiotu (najczęściej osoby fizycznej, ale i firm) w celu otrzymania produktu finansowegowy syVSoft Rating to platforma służąca do kompleksowej oceny i zarządzania ryzykiem podmiotów oraz transakcji z wykorzystaniem modeli ratingowych.stem do pożyczek - pełen proces sprzedaży i obsługi pożyczki
360-degree view
360-degree view is possible thanks to the central customer directory system with all related scoring processes.
Standardization and quality improvement of risk assessment processes
This can be ensured thanks to the methods of credit risk assessment that are matched to given types of clients in automatic processes, as well as those using process roles.
Speed and security
We keep improving the assessment of transactions while ensuring the maximum analytical layer of the calculated indicators.
Support for external and internal databases
We support our customer’s assessment with data from internal and external systems. VSoft Connectors ensure efficient communication with many databases, e.g. BIK KI, Kontomatik.
Support in optimizing risk assessment models
This is performed through the mechanisms of mass conversion of scoring models into data stored in the system (simulations, calibrations, verification of model effectiveness).
Independent development of evaluation models and report templates
This is ensured thanks to the built-in versioning mechanisms and the possibility of simultaneous handling of many scoring models and reports’ templates.

VSoft Scoring offers ready-made patterns of business processes, including:




Behavioural, application or credit service


Support in handling various sales channels


Service for applicants


Checking the effectiveness of the evaluation process


Full audibility


The ability to independently change the parameters of the models

Full communication with key information databases thanks to VSoft Connectors allows you to automate the assessment process in the areas of:



  • Use of customer data - data can be downloaded from Kontomatik, REGON database (GUS)
  • Transaction and client evaluation - support for databases such as BIK KI / P, DZ / BR, Amron
  • Fraud assessment - built-in mechanisms and, for example, BIK PAF
  • Supporting assessment - CEIDG / KRS, Teryt, Pont Info

Find out more about our other products



VSoft Credit

System supporting the sale of banking products

We offer a comprehensive platform to support credit processes for banks, SKOKs (Polish credit union) and loan companies that want to optimize the sales and after-sales services of financial products offered through various distribution channels.




VSoft Rating

Risk assessment and management of entities and transactions with the use of rating models

VSoft Rating is a platform for comprehensive risk assessment and management of entities and transactions with the use of rating models. The platform can be implemented as a central place for risk assessments in a given organization, as well as in the model of full integration with product systems.




VSoft Connectors

Communication with external information databases

Connectors allow for easy and quick integration with external databases. The wide range of connectors offered enables data to be used in various business areas, such as e.g. creditworthiness assessment, anti-fraud verification or debt collection processes.

If you have any further questions

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