Case Study: TBI Bank increases loan approvals by 5% with SEON

tbi bank increases approval rates by 5% whilst keeping the repayment behavioural stable

TBI Bank is a mobile-first digital bank in South-East Europe that was looking to reduce customer friction, improve manual review efficiency, and gain better customer insights for credit risk decisions. To address these challenges, TBI Bank worked with SEON, using its fraud prevention and risk management tools with digital footprinting technology and alternative data for credit scoring.

SEON helped TBI Bank enrich its machine learning score models with real-time digital and social data, enabling faster and more accurate risk assessment and onboarding. As a result, TBI Bank increased loan approval rates by 5%, reduced manual review times, and improved the customer journey while maintaining strong credit risk controls.

TBI Bank

Costin Mincovici

Chief Credit Officer