The Scoring solution calculates the personal scores with different models, such as the Telefónica Standard Score, whereby a model trained with Telefónica data is used to predict the score, and the Telefónica Customised Score, in which the prediction is based on a customised model with Telefónica data and past behaviours observed by the service provider. Scoring improves the information for risk-related decision-making in the process of analysing the granting of consumer credit. It provides companies with an additional real-time data source for assessing the risks of future commitments and optimising credit offers for their customers. The standard credit score, combined with their own knowledge of data, allows them to assess their customers more accurately.