The Social Loan Quotient(SLQ) is CASHe's proprietary alternate credit score. The SLQ uses a range of alternate datasets (alternate to someone's financial history), obtained via mobile/social data streams and/or geographic indicators. The SLQ fundamentally aims to derive patterns from these data feeds, and arrive at correlations to a loan applicant's future financial behaviour to credit. Hence this score essentially acts as a predictive credit score(to predict chances of credit default) for a person, solely basis his/her behavioral data. Hence by using such alternate datasets, the SLQ has proved to be a game-changing tool to extend credit to vast masses of the Indian population, who otherwise have no means of borrowing credit.

The SLQ is a highly dynamic score, which changes frequently basis the change in datasets of an individual and/or changes in repayment behaviors(eg. in case the person does not pay back in time). This allows CASHe to have a real-time check on its customer base and take proactive action, with respect to any detected changes in customer behaviour.

CASHe has also developed an API based service for SLQ, being the first-of-its-kind Credit Scoring as a Service - something that be readily used by other fintech lenders/banks to leverage CASHe's insights(on alternate datasets) and hence they would have the ability also extend financial services to underbanked/unbanked customers.