Assess you creditworthiness with Mala'a
Credit Scoring
Improve the loan-getting process and increase your chance of acceptance. Our AI approach analyses your financial behavior and calculates your personal Mala’a Score that helps banks make faster decisions and suggest better conditions.
Let your financial behavior represent you better
Have your loan approved faster
Our AI algorithms calculate the Mala’a score that fully reflects your financial behavior. This score shows to the banks your responsibility and makes it doubtless to offer you the credit you need quickly and resolutely.
Let your financial behavior represent you better
Heading payment plans flexible
We examine the transaction data from your bank accounts and build predictions on your future cash flows that help to design payment plans that suit your saving and spending habits.
Let your financial behavior represent you better
Get a good deal even without salary transfers
The point is to make your financial behavior represent you at your finest even if you’re currently unemployed. By accessing your spending history, banks see what kind of borrower you’re and are willing to suggest better credit conditions.
Get to know us better
Who may see my private data when I share it in Credit Scoring?
Your data remains yours, only. Mala’a is a Privacy-first solution, and we protect consumers’ data from being shared with any third party whether a bank or a financing company. The AI automatically processes your data to generate a Mala’a score that will be accessible to our partners.
What does my Mala’a score represent?
We are committed to the highest standards of security. Your personal, and account information are protected against unauthorized access, they are always encrypted when transmitted or stored.
Can Credit Scoring help me get the credit if I am currently non‑employed?
We are committed to the highest standards of security. Your personal, and account information are protected against unauthorized access, they are always encrypted when transmitted or stored.
It’s high time to understand the essence of your finances
Financial literacy is part and parcel of today’s world, where everything runs at light speed. Our library is a one-size-fits-all solution to delve further into your financial behavior and learn how to make any credit work for you.
Takes 5 minutes
What is the compound interest?
To see the sense in the interest rate suggested by the bank, you need to know how does it affect your payments.
Takes 4 minutes
How does the credit score work?
Find out the short and sweet way for any bank to know what borrower you’re.
Takes 6 minutes
What is the point of a personal credit profile?
Past isn’t always the past, especially for loan providers. Check how your credit history affects your present.
We’re open to talk. Fill out the form and we’ll get back to you
Access the best credit conditions ever with Mala’a
Don’t hesitate to make the first move towards your goal. It’s time to start!
