Aire is a London-based FinTech startup that is re-inventing credit scoring of consumers.
Our algorithm can be applied much more robustly to a wider population including those with a 'thin-file' (ie: without much of a financial history like students, expats, migrants et al -- where traditional credit models fail).
More importantly, byfocusing on predictive analytics, our model is much more accurate in forecasting creditworthiness than existing methods that are purely driven off past performance data.