CredeX delivers 5-dimensional credit risk intelligence — combining financial history, real-time signals, predictive analytics, behavioral patterns, and threat intelligence to power smarter lending decisions.
Every component built for financial institutions that demand accuracy, security, and reliability.
Industry-first 5D scoring model that analyzes credit risk from every possible angle, not just financial statements.
OSINT-powered monitoring across news, social media, darknet, and public records for continuous risk assessment.
Argon2id hashing, JWT auth, RBAC, full audit logging, and KVKK/GDPR compliance built into every layer.
Complete tenant isolation with dedicated data scoping. Serve multiple organizations from a single deployment.
Auto-generated PDF reports, scheduled exports, email alerts on score changes, and webhook integrations.
Pre-built connectors for KKB, check/note registries, utility providers, Kariyer.net, and OSINT sources.
Traditional credit scoring is 1-dimensional. CredeX sees the full picture through five orthogonal dimensions of risk.
Financial statement analysis, ratio calculations, trend analysis across years of balance sheet data.
Real-time credit bureau data, check/note registries, and utility payment patterns.
Sector early warning indices, macroeconomic stress indicators, forward-looking projections.
Employee behavior signals including CV activity, senior management changes, and workforce stability.
OSINT monitoring across news sentiment, social media, darknet exposure, and public regulatory records.
Composite Score Formula
Score = Past(.20) + Present(.25) + Future(.20) + Behavioral(.15) + Intelligence(.20) See how CredeX's 5D approach compares to traditional 1D credit scoring solutions.
| Feature | Traditional | CredeX 5D |
|---|---|---|
| Scoring Dimensions | 1D (Financial) | 5D (Full Spectrum) |
| Financial Statement Analysis | ||
| Credit Bureau Integration | ||
| Future Risk Prediction | ||
| Behavioral Analysis (CV/HR) | ||
| OSINT / Threat Intelligence | ||
| Darknet Monitoring | ||
| News Sentiment Analysis | ||
| Social Media Signals | ||
| Sector Early Warning | ||
| Real-Time Score Updates | ||
| Multi-Tenant SaaS | Limited | |
| API-First Architecture | Limited | |
| Custom Connector Framework |
Modern architecture designed for financial institutions that need reliability, performance, and security.
Bloomberg-style real-time overview of your entire credit portfolio with risk distribution, sector heatmaps, and activity feeds.
5D radar chart breakdown, score history timeline, dimension drill-down, and financial ratio analysis for each entity.
Live news sentiment, social media signals, darknet exposure alerts, and regulatory event timeline in one view.
From factoring firms to tier-1 banks. Choose the plan that fits your risk assessment needs.
For factoring firms and small lenders getting started with advanced scoring.
Full 5D Intelligence for banks and large financial institutions.
White-label solutions with custom dimensions and integrations.
Schedule a personalized demo and see how 5D scoring can enhance your credit decisions.
We'll be in touch within 24 hours to schedule your demo.