Credit decisions for cooperatives and financial institutions.
A single platform for policy, case file and decision, resolving every application the same day with your own criteria applied and the evidence attached.
Leading companies already selling more with AltScore
Built for your financial institution's audit.
Every decision keeps the policy version that ran, the rules evaluated and the sources consulted. The committee, the regulator and the credit officer read the same case file.
Your policy, without going through IT.
Rules, thresholds and limits in a visual interface. Adjust a consumer line and it goes into production in hours, not the next sprint.
Customers apply from wherever they are.
Web, WhatsApp or your current channels. Identity verified and digital case file built on its own, with no one entering data twice.
The case file fills itself in.
Bureau, public sources, savings and contributions — plus your own history with the customer, the data no other institution has.
The same decision, in your core and in the committee.
The resolution flows back to your systems as a structured response and is archived as a reconstructible case file. ConfIA fits your operation, it doesn't replace it.
Ecuador's largest bank cut customer evaluation time by 80% with ConfIA.See the full case study
Grow without credit holding you back.
Tell us how you evaluate applications today and we'll show you your own policy running in ConfIA.
Frequently asked questions
Does ConfIA bring its own risk model?
No. It runs your institution's policy. We can add alternative signals to enrich the case file, but the approval criteria remain yours.
Do we have to replace our core?
No. ConfIA integrates by API with your core and your CRM, and coexists with your current process during the transition.
How is each decision documented?
Every resolution keeps the policy version that ran, the rules evaluated and the sources consulted, so the committee or an audit can reconstruct the case.
How long does implementation take?
It depends on the integrations and the state of your written policy. We prefer to start with one credit line and measure it before scaling.
Does it work if we already have our own scoring?
Yes. ConfIA can run your existing scoring as one more rule in the flow and take care of the case file, sources and traceability around it.
Talk to our team about your financial institution.
Tell us how you evaluate applications today and we'll show you your own policy running in ConfIA.
- In production in weeks, not months
- +18% proven sales uplift
- No building financial technology from scratch