≥ 0.80 AUC
Strong model performance in separating high-risk and low-risk applicants.
Identity & KYC verification
Pending
AML & sanctions screening
Pending
Bank statement AI analysis
Pending
Company network check
Pending
Vehicle & value check
Pending
Approved
Leasing eligible
Decision in 2 minutes
0
Score / 100
Aiffin sees risk others miss. And we make better decisions faster. Underwriting that sees the full picture
Traditional credit scoring sees a snapshot. Aiffin reads the full business signal - transactions and behaviors around them, entire network of connections, identity, company data, vehicle value, and risk patterns - to deliver faster, sharper credit decisions. Rule-based precision, enhanced by AI.
See the engine> 40%+ separation
Clearer distinction between strong applicants and risky profiles.
~3% default probability
Risk estimates calibrated against real portfolio behaviour.
PSI < 0.10
Stable performance as applicant profiles and market conditions change.
Standard scoring checks data. Aiffin's AI understands it.
Traditional scoring assigns a number based on what it finds. Aiffin builds a full applicant profile — including the network of companies and people around them — and interprets it with AI.
Standard scoring
Checks databases. Misses context.
It reads what is available, but misses what matters: cash flow, behaviour, and real business context.
Queries credit bureaus
Looks at isolated indicators
Reduces the applicant to a score
Misses real business behaviour
Aiffin AI scoring
Reads the full signal. Builds a full business profile.
Better decisions. Fewer false rejections. Stronger portfolio performance.
Analyses documents, transactions, and company data
Detects risk signals across counterparties
Builds a full business profile
Interprets patterns, not just inputs
Inside the decision engine
First, the hard checks: identity, KYC, AML, sanctions, and vehicle value. Then the real work starts - Aiffin reads the business signal, spots risk patterns, and turns messy data into a fast credit decision. Every application triggers a multi-layer verification pipeline. Our AI analyses patterns, connections and behaviour signals that no fixed rule could capture.
Identity check · AML · KYC
ID verification against national and European databases, AML screening, sanctions check and PEP screening
Vehicle check
Vehicle history, stolen vehicle register, encumbrance check and market value validation
Company verification
SIREN/SIRET lookup, financial health assessment, director checks and company status verification
Bank statement analysis
Additional checks for sectors such as VTC, Delivery, Truckers
Clear results. Actionable intelligence.
Clear, understandable results
Admin panel result
Full decision and score breakdown visible in real time inside your Aiffin dashboard
PDF report
Downloadable scoring report for your team — includes all checks, scores and decision rationale
API response
Structured JSON response for automated workflows, CRM integration and custom decisioning logic
Thoughtful internal credit rating
Internally developed scoring metrics
Calibrated on Aiffin's own French leasing portfolio, not generic bureau data
Detailed per-application assessment
— every application receives a granular score with per-check breakdown, not just a pass/fail
Internal risk classification
Proprietary tiering system identifies low, medium and high-risk profiles with specific recommendations
Every application channel. One scoring engine.
Aiffin's AI scoring runs automatically on every leasing application — regardless of where it comes from. One model, consistently applied across your entire distribution network.
01
Applications via Aiffin website
Every application submitted directly through aiffin.com is instantly scored by the AI engine — no manual review needed.
Browse vehicles02
Dealer websites with Widget
Any partner who installs the Aiffin leasing widget on their site automatically routes applications through the same AI scoring pipeline.
Widget integration03
Agents & dealers via Admin panel
Every application submitted manually by an agent or dealer through the Aiffin orchestrator dashboard is scored in real time — with a full breakdown visible instantly.
Open admin panel04
White-label partner programmes
All applications routed through branded Aiffin partner portals are scored by the same engine — ensuring consistent risk quality across every channel.
Become a partnerWant to see the scoring engine live?
Request a demo and our team will walk you through a real scoring run — showing you every check, every signal and the final decision in real time. No commitment required.
- Response within 24 hours
- Free admin panel access
- Full developer documentation
4.7/5 on
Trusted by partners across France