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 institutions improve credit quality and acceptance rates through big data. Our virtual scoring and rating system is a reliable solution to keep manual work at a minimum and give your customers fast services.

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

With SEPA Cyber’s virtual scoring and rating system you get

We offer a virtual scoring engine and rating system that enable lenders to accurately predict borrowers’ payment behaviour, 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 services is now easier with MuSe


Keep manual work at a minimum

Full compliance

Our built-in features and flexible solutions will meet your country's restrictions

Back office interface

Seamless back office to manage credit quality and fight fraud

A 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 an A-to-Z solution


Easy integration

Just a few clicks to go live.

Step by step to
complete solution

Book a meeting

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

Request a demo

Our specialists will present you our offering after they have identified your needs.

Project scope and offer

Modularity means customer offer for each client.

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SEPA Cyber Technologies is happy to be part of your payment journey.

Why stop here?
Give it all with our additional services

Book your FREE meeting if you want a powerful scoring and rating system. Get your 30 minutes now.