Revolutionary Credit Scoring Platform for Retailers

Get Started

Join our retail partner network

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We process 185k applications with

Features

Where

retailers

unite,

to

reduce

risk

Transaction

Stay on top of your decisions

Real-time visibility into credit decisions, customer behavior, and portfolio health. Know your risk before it becomes a problem

Weekly Approval Amount

+23%

122,365,422 UZS

Sun

Recent Requests

+23%

+485

****xon ****tev

11-02-2020

980

***dad ****ov

11-02-2020

253

***gan ***oda

11-02-2020

650

Wallet

Track every credit decision

Full credit decision history

Balance

Manage and monitor your risk exposure

Real-time visibility into your credit portfolio. See total exposure, active installments, and risk concentration instantly.

Monthly Requests

1324

Benefit

Why retailers trust our scoring system

Cross-Store Intelligence

Catch serial defaulters instantly across all partner stores in real-time

Cross-Store Intelligence

Catch serial defaulters instantly across all partner stores in real-time

Smart Credit Analysis

ML-powered decisions that reduced defaults from 12% to 5%"

Smart Credit Analysis

ML-powered decisions that reduced defaults from 12% to 5%"

Portfolio Analytics

Monitor approval rates, defaults, and compare against network averages

Portfolio Analytics

Monitor approval rates, defaults, and compare against network averages

Fraud Detection

Automated income validation catches fake documents before approval

Fraud Detection

Automated income validation catches fake documents before approval

Instant Decisions

Complete credit decisions in minutes, not days like banks

Instant Decisions

Complete credit decisions in minutes, not days like banks

Real-Time Alerts

Get instant alerts for loan stacking attempts and suspicious patterns

Real-Time Alerts

Get instant alerts for loan stacking attempts and suspicious patterns

How it works

How we protect retailers in 3 simple steps

Application submitted

Customer provides ID, phone number and income proof at your store. Our centralised system instantly extracts and verifies all details in seconds

Application submitted

Customer provides ID, phone number and income proof at your store. Our centralised system instantly extracts and verifies all details in seconds

Application submitted

Customer provides ID, phone number and income proof at your store. Our centralised system instantly extracts and verifies all details in seconds

ML powered system analyzes risk across network

System checks for defaults at partner stores, validates income authenticity, and ML model scores credit risk in real-time

ML powered system analyzes risk across network

System checks for defaults at partner stores, validates income authenticity, and ML model scores credit risk in real-time

ML powered system analyzes risk across network

System checks for defaults at partner stores, validates income authenticity, and ML model scores credit risk in real-time

Instant approval decision

Receive approve/decline recommendation with suggested terms. Complete the sale in minutes, not days

Instant approval decision

Receive approve/decline recommendation with suggested terms. Complete the sale in minutes, not days

Instant approval decision

Receive approve/decline recommendation with suggested terms. Complete the sale in minutes, not days

The cross-store intelligence is a game-changer. We caught multiple fraud attempts in the first month that would have cost us thousands

Firuz Allayev

CEO, Asaxiy

Testimonials

Real results from real retail partners

Ilkhom

ScoreTech reduced our default rate from 12% to 5% in just 18 months. The cross-store intelligence catches fraudsters we would have never detected on our own

Ilkhom

ScoreTech reduced our default rate from 12% to 5% in just 18 months. The cross-store intelligence catches fraudsters we would have never detected on our own

Ilkhom

ScoreTech reduced our default rate from 12% to 5% in just 18 months. The cross-store intelligence catches fraudsters we would have never detected on our own

Bakhtiyor Kasimov

Credit Manager, Elmakon "ScoreTech transformed our BNPL operations completely. We went from 12% defaults to 5% while approving more customers. The cross-store intelligence is a game-changer!

Bakhtiyor Kasimov

Credit Manager, Elmakon "ScoreTech transformed our BNPL operations completely. We went from 12% defaults to 5% while approving more customers. The cross-store intelligence is a game-changer!

Bakhtiyor Kasimov

Credit Manager, Elmakon "ScoreTech transformed our BNPL operations completely. We went from 12% defaults to 5% while approving more customers. The cross-store intelligence is a game-changer!

Samandar Tokhirov

CFO, Artel Stores "The AI scoring system helped us reduce risk while increasing sales. ScoreTech's design perfectly fits our retail workflow - staff love how intuitive it is

Samandar Tokhirov

CFO, Artel Stores "The AI scoring system helped us reduce risk while increasing sales. ScoreTech's design perfectly fits our retail workflow - staff love how intuitive it is

Samandar Tokhirov

CFO, Artel Stores "The AI scoring system helped us reduce risk while increasing sales. ScoreTech's design perfectly fits our retail workflow - staff love how intuitive it is

Hamzat Khamraev

We increased our BNPL approval rate to 50% while cutting losses in half. The ScoreTech scoring is incredibly accurate for our customer base

Hamzat Khamraev

We increased our BNPL approval rate to 50% while cutting losses in half. The ScoreTech scoring is incredibly accurate for our customer base

Hamzat Khamraev

We increased our BNPL approval rate to 50% while cutting losses in half. The ScoreTech scoring is incredibly accurate for our customer base

Dilafruz Egamberdieva

Operations Director, MediaPark "After trying multiple solutions, ScoreTech stands out for its peer-to-peer approach. The shared bad debt database catches fraudsters we'd never detect alone

Dilafruz Egamberdieva

Operations Director, MediaPark "After trying multiple solutions, ScoreTech stands out for its peer-to-peer approach. The shared bad debt database catches fraudsters we'd never detect alone

Dilafruz Egamberdieva

Operations Director, MediaPark "After trying multiple solutions, ScoreTech stands out for its peer-to-peer approach. The shared bad debt database catches fraudsters we'd never detect alone

Kamoliddin Murzoev

Credit Officer, TechnoCity "ScoreTech is essential for any retailer serious about BNPL. The platform combines powerful risk management with user-friendly tools - exactly what we needed

Kamoliddin Murzoev

Credit Officer, TechnoCity "ScoreTech is essential for any retailer serious about BNPL. The platform combines powerful risk management with user-friendly tools - exactly what we needed

Kamoliddin Murzoev

Credit Officer, TechnoCity "ScoreTech is essential for any retailer serious about BNPL. The platform combines powerful risk management with user-friendly tools - exactly what we needed

Yusuf Makhmudov

Integrating ScoreTech with my company is one of the smartest decision I have made in 2020

Salamat Allaberganov

Store Manager, Texnomart "With ScoreTech, we process credit applications in 15 minutes instead of days. Managing our BNPL portfolio across multiple locations has never been easier

Guzal Shodieva

Finance Director, Regional Retailer "ScoreTech keeps our credit program organized and profitable. The network intelligence gives us confidence to approve good customers while blocking bad ones