The BPS Model Institute is based on millions of local data points, utilizing advanced machine learning methods and combining them with rich data resources to perform comprehensive and multi-dimensional assessments of individual credit risk levels.

Currently, in addition to specific credit scores, BPS credit assessment products also provide various characteristic variables that play a crucial role in predicting the likelihood of default, thereby assisting financial institutions in making better risk assessments and decisions.

Alternative Credit Score is a numerical expression that indicates the level of default risk based on the analysis of an individual's behavior reflected in various types of activities and transactions, such as mobile phone top-ups or online purchases