PCB, in collaboration with strategic partner CRIF, developed and launched the CBS 3.0 model to the market in September 2021. The CBS 3.0 model uses credit history information provided by Participating Organizations to generate credit scores for loan customers. Twice a year, PCB, along with the team responsible for developing the CBS 3.0 model, monitors the model’s effectiveness and makes adjustments to align with market conditions. For credit institutions wishing to use the product, PCB will work to assess the model’s suitability for their portfolio, while also providing in-depth consulting to support effective product use and risk management. The service allows for customer evaluation through credit scores and predicts their ability to repay within 12 months after disbursement:

• Customer classification
• Customer comparison to the overall market
• Integreration into the automated approval system