CleverAdvice > Proposition Development > Epiphany – PROPOSITION DEVELOPMENT – InstaScoring



Epiphany, software developer focused on Open Banking and Payments solutions


  • Provide strategic direction in developing a solution to instantly assess client-specific credit risk based on account information services allowed under PSD2 (Revised Payment Services Directive)
  • Identify use cases linked to instant issuing of line of credits for consumers and businesses
  • Support key IT personnel with detailed guidelines aimed at reducing time to market


  • Assessed general demand of consumer credit and needs for specific consumer segments when shopping online and in-store
  • Assessed SMEs demand of credit lines
  • Created business cases for both consumer and business customers and highlighted benefits to all stakeholders – credit issuers, merchants and customers – and the economic impacts
  • Defined user experience aimed at maximizing uptake
  • Defined how to improve accuracy of customer risk profile by complement elements visible to credit agencies with customer accounts details – e.g. earning, transactions, current lines of credit and account balance, investments, …
  • Supported credit risk departments to combine newer real-time customer data within their risk assess policies
  • Defined integration with payment options – including instant payments – and loyalty programmes
  • Develop a set of higher-level and detailed flow diagrams (Swimlane diagrams) to support software developers
  • Coordinated players involved and facilitated the implementation phases
  • Assisted in the definition of a pilot to be demoed to credit issuers and large merchants


  • Definition of instant, customer-tailored credit scoring solution with high potential to improve merchant sales of high-value items and revenue for credit issuers
  • Business cases to show economic benefits to players involved address to both consumer and business targets
  • Integrated real-time customer data within existing risk assess policies to improve accuracy and reduce credit issuer actual risk
  • Detailed flow diagrams to guide software developers and IT roles