Pay1 alternative data for credit scoring covers noncredit information of Customers such as - Mobile payments, utility payments, TV / DTH payments, money transfer, money withdrawal records etc. These data points can help Lenders to get a sense of an individual's financial reliability. When a customer applies for a loan, Lender can call Pay1 APIs to verify customer's existence and credit behavior in Pay1 database. If the customer exists, the credit score will be shared by Pay1 to Lender on a real-time basis.