Axis Bank faced challenges in underwriting credit cards and loans due to a lack of credit scores for many applicants, particularly in personal loans.

KENTRIX provided a solution by profiling customers into lifestyle affinity segments, integrating income and product purchase behavior.

The bank also analyzed the history of non-paying customers to identify default patterns. By integrating KENTRIX data into their risk models, Axis Bank identified high-risk consumer segments and significantly reduced default rates.

This data-driven approach helped Axis Bank make more informed lending decisions and mitigate risks effectively, showcasing the impact of KENTRIX in enhancing creditworthiness assessment.