Automated engine for virtual scoring and rating system by SEPA Cyber

Ultimate credit scoring solution
by SEPA Cyber Technologies

Credit risk scoring is a credit decision engine that helps banks and financial institution to improve credit quality and acceptance rates through the use of big data. Our virtual scoring and rating system is a reliable solution to keep manual work at minimum and give your customers fast services.

Choose between build-in or custom virtual scoring and rating solution by SEPA Cyber Technologies.

With SEPA Cyber’ virtual scoring and rating system you get

We offer both virtual scoring engine and rating system that enable lenders to accurately predict borrower’s payment behavior, helping them make informed and more profitable credit decisions in real time.

  • Back office to manage credit quality and fight fraud
  • Fully automated scoring engine
  • Credit decisions in real time
  • Removes the risk of human error or personal judgement

Your best solution if you need


Adding additional service is now easier with MuSe.


Keep manual work at minimum.

Full compliance

Our built-in features and flexible solution will meet your country restriction.

Back office interface

Seamless back office to manage credit quality and fight fraud.

Powerful tool for your business

Reliable solution using big data.

More than just a
scoring and rating system

Worldwide availability

Scoring and rating for people all around the world.

Trustful partner

We are always working to provide A-to-Z solution.


Easy integration

Just a few clicks to go live.

Step by step to
complete solution

Book a meeting

Fill our form and one of our experts will contact you.

Project scope and offer

Modularity means customer offer for each client.

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