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Banks and lenders have built decades of decisioning around credit scores, but those scores only tell part of the story. In today's economy, many financially capable individuals are misclassified or overlooked because their true stability lies in assets, liquidity, and wealth behavior, not just repayment history.
PIVOT fills that gap. Our proprietary PIVOT Score (a Financial Agility Score) measures an individual's real financial resilience, combining net worth, liquidity ratios, and asset strength to create a complete, data-rich picture of modern financial capacity. This is not a replacement for credit. It's the missing context that helps institutions see the full financial profile behind every customer.
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PIVOT’s Financial Health Score highlights financially sound customers who may appear average or invisible to credit-only models.
The PIVOT framework aligns with regulatory guidance encouraging a holistic review of borrower stability, delivering a standardized, data-supported way to evaluate long-term repayment ability.
Our insights help institutions safely extend capital to customers with strong financial positions but limited credit data, aligning with both inclusion and growth goals.
Use the PIVOT Score to engage your most financially capable customers with personalized products, preferred pricing, and targeted financial opportunities.
Banks can access PIVOT Scores through a secure API or dashboard, paying a standard report fee per customer, similar to existing credit report models.
For Institutions: More accurate, inclusive, and future-ready financial assessment tools that improve decisioning and customer relationships.
For Consumers: A transparent, empowering way to understand and grow their financial stability, and to be recognized for it.
By helping financial institutions see the true financial picture, we’re building a new era of intelligent, human-centered finance; where data drives trust, and insight creates opportunity.
