Big Data Scoring
Big Data Scoring is a Finnish fintech, founded in 2014, that provides AI-driven credit scoring and predictive analytics to banks, telecoms, and retail financiers across 25+ countries, serving both banked and unbanked populations.
- Company typePrivate
- Founded2014
- HeadquartersHelsinki, Finland
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Big Data Scoring does
Big Data Scoring is a Finnish-based fintech, founded in 2014, that builds AI and big data-driven predictive models for credit scoring and broader financial risk analytics. The company targets banks, telecommunications operators, and retail/auto financing firms, serving customers in 25+ countries across Latin America, Europe, Sub-Saharan Africa, and South/Southeast Asia. Named enterprise customers include Santander, BBVA, HSBC, Citibank, Nubank, Standard Bank, Raiffeisen Bank International, Davivienda, Bancoagrícola, JD Group, TransUnion, amicar, Derco Center, Quod Financial, and XDS, indicating traction with both global tier-1 institutions and regional specialists. The platform's core proposition is enabling credit risk assessment for both banked and unbanked populations by aggregating alternative data on a global population scale, with disclosed performance metrics in Chile showing 38.5%–77.9% lift across unbanked/banked/SME segments.
The product architecture is centered on a suite of proprietary predictive models — Risk (credit scoring), Churn, Prepayment, Lead Qualification, Fraud Detection, Marketing, Re-employment, and Income — complemented by the Big Data Scoring Collage™ customer segmentation tool for portfolio management and cross-selling. Underpinning these models are three trademarked data enrichment platforms: Digital Footprint® (email/phone/address enrichment), SDK® (smartphone data retrieval), and Web Analytics® (live website behavior monitoring). Customized model development is offered as an add-on module, indicating flexibility for client-specific use cases. The technology stack is built and maintained in-house under CIO Jani Reinikainen (MSc Computer Science; MSc Statistics), with data science led by Sanna Susiluoto (Head of Data Science) and commercial direction by CEO Francisco Cruzat (Civil Engineer, Universidad Católica de Chile; MBA, University of Chicago).
Commercially, Big Data Scoring operates an enterprise B2B go-to-market combining direct field sales and API/software productization. Distribution is regionalized via Salesmen and Expansion Officers hired in Colombia, Brazil, Mexico, Africa, and India, with the company participating in Mastercard Start Path in June 2015 as a partnership-led channel. The revenue model is subscription/recurring based on access to predictive analytics services, with quote-based pricing not publicly disclosed. Total disclosed funding through 2018 is approximately $3.35M from rounds led by Terranova, with Novator, EISMEA, and Mastercard Start Path participation, and the company operates a dedicated investor inquiry channel ([email protected]), signaling openness to external capital to fund ongoing expansion.
Big Data Scoring firmographics
Firmographics- Name
- Big Data Scoring
- Legal name
- Big Data Scoring
- Website
- https://bigdatascoring.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Big Data Scoring is a Finnish fintech, founded in 2014, that provides AI-driven credit scoring and predictive analytics to banks, telecoms, and retail financiers across 25+ countries, serving both banked and unbanked populations.
- Ownership category
- akta.pro rank
Big Data Scoring industry classification
Industry- Product category
- Credit Scoring Software
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Alternative / Non-Traditional Credit Data Providers (FSAKAKAB)
Keywords
Where Big Data Scoring is headquartered
LocationHeadquarters
- HQ city
- Helsinki
- HQ country
- Finland
- HQ region
- Europe
Offices1 record
Markets served
Big Data Scoring business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations
Revenue model
- Predictive Analytics Services: The company generates revenue through providing access to its AI-powered predictive models for credit scoring, risk assessment, customer segmentation, and other analytical solutions. Services target financial institutions including banks, telecommunications, and retail financing companies. The revenue model appears to be subscription or service-based given the enterprise sales motion.
Go-to-market motion2 records
Distribution channels1 record
Marketing channels1 record
Big Data Scoring product offering
Product offeringCore offering
Big Data Scoring builds AI and big-data-trained predictive models for credit scoring, customer behavior analysis, and portfolio risk management. Its proprietary data-enrichment platforms (Digital Footprint®, SDK®, Web Analytics®) collect thousands of alternative data points from email, phone, address, smartphone, and website interactions to enable credit, fraud, churn, prepayment, and marketing predictions for banks, telecoms, and retail lenders globally.
Product overview
Big Data Scoring offers a unified AI-powered credit scoring and analytics platform with multiple specialized predictive models. The core platform consists of credit scoring models (Risk), customer behavior models (Churn, Prepayment), sales optimization models (Lead Qualification, Marketing), risk mitigation models (Fraud), and workforce analytics models (Re-employment, Income). These are complemented by the Big Data Scoring Collage™ segmentation tool and supported by three data enrichment platforms: Digital Footprint® (primary interface), SDK® (smartphone data retrieval), and Web Analytics® (website behavior monitoring). The company provides both pre-built model solutions and customized models tailored to specific customer requirements across global markets.
Differentiator
Problem solved
Functional benefit
Brands
- Big Data Scoring Digital Footprint®: Data enrichment tool that collects information using client's email, phone number, and home address to retrieve thousands of data points for building predictive algorithms.
- Big Data Scoring SDK®
- Big Data Scoring Web Analytics®
- Big Data Scoring Collage™
Products and services
- Big Data Scoring Digital Footprint®
Quantifiable outcome
- Lift of 38.5% for unbanked/underbanked 1st generation population scoring in Chile
- +4 more outcomes
Companies that use Big Data Scoring
Customer profileNamed customers15 records
Segments3 records
Ideal customer profiles3 records
Big Data Scoring technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability7 records
Feature4 records
Big Data Scoring partnerships and signals
Strategic signalScale indicators3 records
Recent moves3 records
Expansion highlights5 records
Big Data Scoring competitors and assessment
Company assessmentOthers
- Novantas: Banking analytics consultancy serving retail and commercial banks. Adjacent rather than direct — competes for the same analytics budget at financial institutions but delivers advisory rather than scoring software.
Emerging players
- Featurespace: Adaptive behavioral analytics for fraud and risk, with overlap on the fraud-detection and credit-risk modeling side of Big Data Scoring's product suite.
- Tala: Mobile-first alternative credit scoring and lending platform primarily in Mexico, India, and the Philippines. Adjacent competitor in emerging-market alternative credit, with overlap on smartphone-based data signals.
Direct peers
- Provenir: AI-powered risk analytics and decisioning platform serving banks, fintechs, and lenders globally. Direct competitor in the credit decisioning platform category with comparable enterprise buyer overlap.
- Zest AI: US-based AI lending software provider focused on machine-learning credit underwriting for banks and credit unions. Direct competitor in AI-driven credit decisioning with similar emphasis on explainability and fair-lending compliance.
- LenddoEFL: Alternative-data credit scoring provider focused on emerging markets (LATAM, Southeast Asia, Africa). Most directly comparable peer in terms of unbanked/underbanked thesis and geographic overlap with Big Data Scoring.
Broad incumbents
- FICO: The dominant incumbent in consumer credit scoring globally (FICO Score). Competes with Big Data Scoring on the same buyer set (banks, telcos, retailers) but with a legacy bureau-based model, increasingly adding alternative data to defend share.
- TransUnion: Global credit bureau that is both a competitor (alternative data, scoring) and a documented customer of Big Data Scoring. Operates at massive scale with deep data assets across consumer and commercial credit.
- Experian: One of the three global credit bureaus, with growing alternative-data and analytics capabilities (Experian Ascend). Targets the same bank and telco buyer set as Big Data Scoring across LATAM, EMEA, and APAC.
- Equifax: Third global credit bureau with significant alternative-data initiatives (Kount, DataX). Competes for the same financial institution budgets and is increasingly building AI scoring capabilities in-house.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Big Data Scoring social profiles
Digital presenceBig Data Scoring financial estimates
Financial estimateRevenue estimate
Valuation estimate
Big Data Scoring leadership team
Management profileNumber of profiles
Profiles3 records
Big Data Scoring funding detail
Funding detailFunding overview
Funding rounds5 records
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Big Data Scoring M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Big Data Scoring
What does Big Data Scoring do?
Big Data Scoring builds AI and big-data-trained predictive models for credit scoring, customer behavior analysis, and portfolio risk management. Its proprietary data-enrichment platforms (Digital Footprint®, SDK®, Web Analytics®) collect thousands of alternative data points from email, phone, address, smartphone, and website interactions to enable credit, fraud, churn, prepayment, and marketing predictions for banks, telecoms, and retail lenders globally.
Is Big Data Scoring a public or private company?
Big Data Scoring is a private company. It is classified as venture growth investor backed and is currently operating.
When was Big Data Scoring founded?
Big Data Scoring was founded in 2014. It employs 11 to 50 people.
Where is Big Data Scoring based?
Big Data Scoring is headquartered in Helsinki, Finland, in the Europe region.
How does Big Data Scoring make money?
One revenue line is on record: predictive Analytics Services.
Who are Big Data Scoring's main competitors?
Novantas is listed as an others. Emerging players are Featurespace and Tala. Direct peers are Provenir, Zest AI and LenddoEFL. Broad incumbents are FICO, TransUnion, Experian and Equifax.
Does Big Data Scoring have an API?
No public API is recorded for Big Data Scoring.
What industry is Big Data Scoring in?
Big Data Scoring's product category is Credit Scoring Software. Its primary akta.pro industry code is FSAKAKAB, Alternative / Non-Traditional Credit Data Providers. Its NAICS code is 5223 and its SIC code is 7320.