MexicoA digital bankAbout 1 in 4 applicants had no legacy credit score. Monnai returned a risk score for 98% of them.98%of applicants with no legacy credit score got a risk scoreRead the storyAlternative credit scoring with or without a credit file.
Thin files, no files, new to credit: get risk insights and a risk score from the phone, the email and the digital footprint they already have, and approve more good customers without increasing risk.
Monnai returned a score for 98% of applicants with no credit file.Monnai’s 2026 study in Latin America
Monnai
Buy now, pay later: 4 payments at checkout, no credit history
What our AI infers
- Good sign: Long-tenure phone
- Good sign: High contactability
- Good sign: Affordability signal
Your decision
ApproveLow risk, no credit history needed
Why legacy credit scores miss good applicants, and how alternative data scores them.
No file is not a bad file.
The same score, two different people.
With Monnai
Years of steady history, or an identity created last week: Monnai tells them apart.
Consumer Risk IntelligenceCaution that costs you good customers.
Same bureau score, very different risk.
Two applicants with the same bureau score can carry very different risk. Monnai tells them apart.
All applicants
- Bureau scoreNarrow a tight band
- Monnai scoreAlmost 3x the range
Applicants with the same bureau score
- Bureau scoreNo spread one score for all
- Monnai scoreWide safest to riskiest
- AA phone held 8+ years and an email 10+, reachable: the safest band.
- BA phone and an email under a year old, unreachable: the riskiest band.
Anonymized and rounded.
Credit risk by industry.
How the problem shows up in each industry.
Customer results in credit risk.
What they needed, what they measured, and how.
MexicoA digital bankAbout 1 in 4 applicants had no legacy credit score. Monnai returned a risk score for 98% of them.98%of applicants with no legacy credit score got a risk scoreRead the story
BrazilA leading bankUp to 15% fewer losses on its riskiest business customers, at the same approval rate.Up to 15%fewer losses in the riskiest band, at the same approval rateRead the storyGet answers about credit risk
What is alternative credit scoring?
Alternative credit scoring uses data beyond the credit file, so lenders can judge applicants with a thin file or no file at all. Monnai provides risk insights and a risk score from the phone number, email and digital footprint they already have, to support the lender’s own decision.
How do you score thin-file and no-file applicants?
From signals they already have: how long their phone number and email have existed, whether they are reachable, and where they show up online. Risk Score turns them into one number from 0 to 999, higher means riskier, with its top reasons in plain words.
What do you need to score an applicant?
A phone number or an email is enough to start, with nothing extra for your applicant to fill in. Risk Score works on any mix: phone only, email only, or phone, email, IP and identity together. More data gives a sharper score.
Does alternative data replace our legacy credit score?
No, it adds to it. Applicants with no file get a score, and applicants with a file get a sharper one: two people with the same legacy credit score can carry very different risk, and Monnai tells them apart.
How does Monnai fit into our credit decision engine?
Through one API, as an input to the models you already run. Take Risk Score with its reasons, or 500+ fields ready for your own decision engine. You set where approve, review and reject start, to fit your risk appetite.
Can we test alternative credit scoring on our past applicants?
Yes, and we’d rather you did. Send past applications: Monnai scores them offline, with no integration on your side. Your full report comes back within 5 business days, with every score, its reasons and, if you share outcomes, the uplift for your portfolio.
Let us prove it. Test us on your data.
Send past applications or transactions. We score them and send back a full report: every score with its reasons, and the uplift for your portfolio.
5 business days to your full report. We commit to it.