If you’re in banking, lending, or credit services, you already know: credit scoring is never just about a number. Behind every score is a messy mix of data sources, custom logic, and tight compliance demands. And getting all that to work together? That’s where things usually get tricky.
The daily struggles of credit scoring
Your data lives all over the place
ERP systems on one side, credit bureau feeds on another, maybe some open banking APIs thrown in for good measure. Different formats, update schedules, no standardization, just stitching it all together can be a full-time job.
Your scoring model is hungry
Today’s models want it all: payment history, purchase behaviour, BNPL activity, even behavioural data. But those inputs rarely show up clean and ready. Without solid integrations, most of it just sits there.
Compliance wants clarity
Scoring needs to be explainable. Sounds easy, right? Try juggling a handful of data feeds, machine learning models, and complex rule sets, and still having a straight answer when a regulator comes calling.
Speed makes a difference
Credit decisions age quickly. If you’re waiting for an overnight batch, you might already be behind. These days, near real-time isn’t a bonus, it’s the standard.
Where Strawbay fits in
Strawbay is an integration platform (iPaaS) built for exactly this. Not just to push data from A to B, but to give you full visibility and control over your credit scoring flows.
Here’s how it helps:
- Prebuilt connectors to different softwares so you don’t have to start from scratch every time.
- Reusable flows that ingest, transform, enrich, and deliver data to your scoring engine.
- Onboarding UIs that let your business customers plug in their systems themselves, with built-in consent and access control.
- Clear dashboards where your team sees every flow, every integration, and gets alerts when something needs fixing.
- User and rights management to stay on top of who has access to what.
Why it’s worth it
- Faster go-live: Cut projects down from months to weeks.
- Lower costs: Less custom code = less maintenance.
- Better decisions: More data, better structured, feeding your scoring logic.
- Compliance relief: Logs, trails, transparency
- Fewer surprises: Real-time alerts help you stay ahead.
If your credit scoring depends on multiple data sources and needs to stay fresh, you don’t need a full rebuild. You just need smarter connections.
