ABX Lending
Credit decisioning for thin-file borrowers using alternative data signals
Built for banks that need to move fast, without breaking trust.
An AI-first digital lending suite that underwrites thin-file and no-file borrowers using alternative data — transactional behaviour, wallet flows, agent activity, and device signals — and originates loans in minutes.
What you get on day one.
Alternative-data underwriting
Score customers with no traditional bureau footprint using explainable ML models.
End-to-end origination
From application to disbursement to collection, on one configurable rail.
Regulator-ready
Model governance, bias monitoring and full decision lineage built in.
Screens & signals from ABX Lending.
A glimpse of the interfaces, data and workflows shipped as part of ABX Lending on the ABX platform.
Signals used
Wallet, agent, airtime and device signals for thin-file scoring.
Portfolio health
PAR, roll-rates and model drift — one governed view.
Ready to deploy ABX Lending?
Talk to our team about how ABX Lending fits into your digital banking stack — configured from the ABX wizard, live in weeks.