Lending is becoming more future-oriented and Predictive Analytics can help financial institutions be at the forefront of innovation. All types of credit risk management require data analytics, and increased data availability and processing tools will bring new credit risk management opportunities. Predictive analytics is the practice of deriving information from existing data in order to identify the likelihood of patterns and predict future outcomes and trends. It forecasts what might happen in the future with an acceptable level of reliability and incorporates what-if scenarios and risk assessment.

Recognized by Gartner, CRIF's expertise in predictive analytics is shown by the development of various scoring projects in many including Bureau scoring models, spanning over 18 countries which in total are used to make hundreds of millions of score calculations and decisions each year around the world.

Rating systems are a core competency in CRIF, thanks to CRIF's Rating Agency experience, we provide rating model development from estimation, validation, and review to calibration and evaluation of economic groups.