NovaScore

Main Page
Login Page
Welcome Page
User Account Details
User Credit Cards and Available credit details
User Credit Cards and Available credit details
Request for credit increase using AI based non traditional Data
User Credit Cards and Available credit details
Credit Increase option

NovaScore was inspired by the need for a fairer, more inclusive credit system for individuals with little or no credit history. Traditional credit models often overlook real financial responsibility, such as Social media, rent, utilities, and subscriptions. By leveraging AI, NovaScore redefines credit assessment, offering predictive credit improvement pathways and smart micro-loans with dynamic interest rates. Our platform ensures transparency and security, giving borrowers a chance to build credit while protecting lenders from default.

We built NovaScore using machine learning for risk assessment and APIs to integrate alternative financial data. Throughout development, we faced challenges in ensuring accurate data integration, training AI models without bias, and encouraging adoption by financial institutions. Despite these hurdles, we successfully developed a working prototype and created a user-friendly platform that empowers financial growth.

Moving forward, we aim to expand partnerships with credit unions, enhance AI-driven credit modeling, and launch a mobile app for seamless access. By refining our lending system and conducting pilot programs, we hope to create a more accessible and reliable credit-building ecosystem that benefits both borrowers and lenders.