Full Stack
Digital Platform





InstaScore: personalized
credit in real time.

Epiphany’s InstaScore will make it easier than ever to deliver instant customised line of credit to your customers.

Why Epiphany InstaScore

Powered by Epiphany’s proprietary technologies and leveraging complex machine learning algorithms, Epiphany’s InstaScore allows banks to offer in real time customized line of credit.

And this will not only result in the ability to meet the demands of your existing customers, but will also allow you to extend your customer base, especially within expats, millennials, members of Gen Z and all those with no credit history and who could not easily get a line of credit, because of outdated traditional credit scoring models.

Main Features

Instant risk

of consent renew


Automated messaging
to the client

Additional InstaScore features:

• Easy to integrate into existing Mobile Bank App
• Clean design and great user experience
• Offer instant credit on Online Shopping Checkout
• Easy to integrate with Epiphany InstaPay for real-time credit on POS

Benefits for the bank:

  • Easy to Integrate into your existing Mobile Bank App
  • Avoid sharing of your clients’ data and increase clients trust
  • Improves understanding of your clients’ spending habits
    to improve their risk profile
  • Increase volume of credit disbursed with consequent growth
    of revenue from interests
  • Extension of quantity and type of evaluable elements to make
    economic conditions of loan competitive

Contact us to learn more about InstaScore

Benefits for your clients:

  • Personalization of credit in real time
  • Financial charges reduction thanks to the disintermediation of the credit
  • Flexibility on payment methods thanks to customized conditions
  • Access to additional products and services without impacts on their financial stability


H24 Remote

Epiphany provides remote support H24. The support is initiated by Customer call to a dedicated phone number or by system alert sent by the monitoring and automation.


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