No-hit Score 2.0 provides score to assist Participating Organizations in assessing the future repayment ability of customers, especially in cases where the customer is new or lacks sufficient information for CB Score 3.0. The product was launched in the Vietnamese market in 2018 with version 1.0. In 2022, with the aim of improving the model’s predictive capabilities, PCB implemented an upgrade to version 2.0, providing clearer assessments and creating models tailored to Banks or Financial Companies. The system applies AI technology with over 100 different variables to generate a scoring model for new customer groups with high quality.The diverse data comes from various sources, such as demographic information, loan application details, territorial information, and data at the time of inquiry. This function supports loan decision-making for new-to-bank customers or customers with short credit history.