Confirmu is an alternative credit scoring whose mission is to enable lenders score people with no credit history . Our solution is given in a form of SAAS mobile SDK "white label" solution. Our hybrid model which is based on: 1. Conversational UI/Chatbot- user replies to questions on the form of free text are transformed to psycholinguistic profile indicating an applicant willingness to repay back loan. 2. payment history- tapping into an applicant payment history of previous 3 months through text messages. 3. Potential Employment opportunities- through social media profiles ,we are able to quantify the risk for the lender via cross validating the applicants professional history and skill set with matching jobs openings at his nearby area. 4. Financial soundness- an internal analysis which we provide that checks other factors which can derisk the risk to the lender.
