Hybopay's Lending Offerings
Transform your lending decisions with our AI-powered credit scoring platform. Achieve 3x faster approvals, 40% reduced defaults, and seamless compliance โ all while cutting operational costs.
Your lending app
Applicant Score
87/100
Income Verification
โ Verified
Credit History
โ Good
Affordability Check
โ Passed
ID Verification
โ Complete
Our Lending Solutions
๐ง
AI Credit Scoring
- โข Real-time risk assessment using private Azure OpenAI models
- โข Uses customer, CCR, and behavioral data
- โข Produces a transparent credit score with decision status (Approve / Reject / On-Hold)
Learn more
๐
Affordability & Risk Models
- โข Custom-built affordability logic
- โข Integrates income, expenses, dependents, and obligations
- โข Flagging unaffordable or borderline cases
Learn more
๐
CCR Data Integration
- โข Simulated and live Central Credit Register (CCR) integration
- โข Parses historical credit data
- โข Generates structured insights for AI scoring
Learn more
๐งพ
Borrower Decision Summaries
- โข Instant summaries that explain rejection or approval at a high level
- โข Templates for regulator-friendly adverse action letters
Learn more
๐
Digital Onboarding & Loan Application UX
- โข Pre-built, Ireland-compliant onboarding flows
- โข Document collection (ID, PPSN, Address proof)
- โข Optional KYC integrations
Learn more
โ๏ธ
Underwriting Dashboard
- โข View applicant data, CCR reports, documents, and AI score in one place
- โข Manual override and audit trail features
- โข Built for lending teams
Learn more