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Decision Management
Loan Origination
Customer Management
Debt Collection Software
Fraud Detection Software
SME Loans Management
Credit Risk Management
Credit Portfolio Analysis & Monitoring
Internal Ratings & Scorecards
Basel II - Modeling, Reporting, Stress Testing
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Behavioral Scoring
Collection Scoring
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Home / Solutions / Scoring Solutions / Behavioral Scoring

Behavioral Scoring

Behavioral scoring quantifies the customer behavior to improve your credit portfolio management and customer management. Behavioral scoring helps you to better understand your customers, and, the better you understand your customers, the more effectively you can respond to their individual needs and increase your bottom line.

Behavioral scoring facilitates customer management decisions. Used in credit management or portfolio processing systems, behavioral scoring helps to automatically segment and rate accounts, customers and portfolios thus allowing managing efficiently a particular borrower’s credit account as well as the entire credit portfolio.


Increase profitability and improve your customer loyalty with Scorto behavioral scoring systems.

With Scorto behavioral scoring solutions lenders are empowered to:

  • make more efficient account and customer decisions;
  • enhance control of risk exposure;
  • sell more deeply into their customer base based on attrition and revenue scoring;
  • expand a customer base without increasing credit risks;
  • create a more effective pricing program, implement risk-based pricing;
  • accurately target current and potential customers for retention and cross-selling programs based on retention and cross-selling scoring.

Behavioral scorecard development services, including PD models, credit limit models, attrition scores, revenue scores, cross-sell and up-sell scores. Batch portfolio processing on account or customer level and decision management solution for customer management – Scorto Behavia.
Easy-to-learn scoring model development software that allows you develop your scorecards in-house - Scorto Model Maestro. Portfolio and scorecards monitoring software compatible with Basel II requirements – Scorto Supervisor.

To improve your customer management decisions even further, you can enhance your behavioral scoring system with Scorto debt collection and Basel II solutions.