WeScore | Credit Scoring System

N^o 1 The Challenge

Empowering Smarter Financial Decisions

Financial health is the foundation of a stable and successful life. Yet, many individuals struggle with poor financial habits, unclear credit ratings, and a lack of tools to improve their financial standing. WeLend identified a gap: people needed a clear, actionable, and personalized way to understand and improve their financial health.

Key Problems:

Lack of Awareness: Many people don’t know their financial standing or how it impacts major decisions like buying a home or securing a loan.
Complexity of Credit Scores: Traditional credit scores are confusing, often inaccessible, and fail to provide actionable insights.
Limited Access to Solutions: Users lacked tools to improve their financial health in real-time.

N^o 2 The Vision

What is WeScore?

“Your personalized financial health coach, powered by A.I.”

WeScore was designed to make financial health accessible, understandable, and actionable for everyone. Using 400 million sets of data and cutting-edge A.I. technology, WeScore evaluates an individual’s financial health in real-time and provides tailored recommendations to improve it.

The vision for WeScore was simple:

Evaluate Financial Health: Provide users with a real-time financial health score.
Empower with Insights: Help users understand how every financial decision impacts their score.
Offer Solutions: Recommend personalized strategies and loan products to improve financial stability.

N^o 3 The Journey

Building the WeScore Experience

Research and Discovery

WeLend began by diving deep into the financial behaviors and challenges of users:

Analyzed 400 million datasets to build an accurate financial health evaluation model.
Conducted interviews with users to understand their pain points with traditional credit scoring systems.

Key Insights:

Users needed a simple and transparent way to interpret their financial health.
Personalized recommendations were critical to make the score actionable.
A 24/7 accessible platform was essential for modern, tech-savvy users.

Designing the WeScore Journey

WeLend designed WeScore to be 3-step financial health transformation:

Real-Time Financial Health Evaluation:
- Using A.I., WeScore provides an instant rating based on the user’s financial habits and background.
- Users can compare their score with peers in their age group, gaining a better understanding of their financial standing.

Personalized Recommendations:
- WeScore analyzes the user’s financial habits and provides tailor-made advice to restore and improve their financial health.
- A.I. identifies risks, offers solutions to mitigate them, and helps users plan for the future.

Tailored Loan Solutions:
- Based on the user’s financial situation, WeScore recommends exclusive loan plans to achieve their goals, whether it’s consolidating debt, starting a business, or buying a home.

Testing and Optimization

WeLend’s A.I. continuously learns and optimizes the system using 400 million datasets to improve accuracy.
The platform was tested with real users, who appreciated the simplicity, clarity, and actionable insights provided by WeScore.
Feedback helped refine the user interface, making it intuitive and easy to navigate.

N^o 4 The Solution

A New Era of Financial Empowerment

The final WeScore Financial Health Evaluation platform is a game-changer for users looking to take control of their finances.

Key Features:

Real-Time Financial Health Rating: Instant calculation of a user’s financial score, updated 24/7.
Personalized Insights and Advice: Tailored recommendations that help users improve their financial habits and stability.
Exclusive Loan Solutions: Access to customized loan products based on individual financial needs.
Actionable Comparisons: Users can benchmark their WeScore against peers in their age group.

N^o 5 The Impact

Transforming Lives Through Financial Health

WeScore has already made a significant impact:

Users report improved confidence in managing their finances.
Many have successfully restored their financial health and achieved key milestones like buying a home or consolidating debt.
WeLend has strengthened its position as a leader in A.I.-powered financial solutions.

Real-Life Case Study:

A user with a low WeScore rating used the platform’s recommendations to improve their financial habits, leading to a better score and faster loan approval for their dream home.

Why Financial Health Matters:

Good financial health impacts every aspect of life—from securing a job to buying property and even immigration applications. WeScore ensures users are always prepared for life’s biggest moments.

N^o 6 My Role

Enhancing the WeScore Experience

As part of the WeScore project team, my contributions included:

User Research: Conducted interviews and analyzed feedback to design an intuitive user experience.
Workflow Design: Simplified the 3-step process for evaluating, improving, and applying financial solutions.
Prototyping and Testing: Designed interactive prototypes and tested them with real users to ensure clarity and usability.
A.I. Integration: Collaborated with data scientists to align the A.I. recommendations with user needs.