Tasdeeq

Tasdeeq is Pakistan’s first State Bank of Pakistan (SBP)-licensed private credit bureau, operating as a credit information and analytics platform rather than a bank, wallet, or lending app. Its main role is to collect, organize, and analyze borrower credit data from banks, microfinance institutions, fintechs, leasing companies, and other financial institutions across Pakistan.

Tasdeeq helps lenders make better credit decisions by providing credit reports, credit scores, borrower risk insights, and decision analytics. It functions similarly to credit bureaus such as Experian, Equifax, or TransUnion in other markets. Instead of lending money directly, it provides the data infrastructure that lenders use to decide whether to approve or reject loans.

SERVICES

• Consumer credit report services: Tasdeeq provides individuals with personal credit reports showing active loans, past borrowing history, repayment records, and financial obligations.
• Credit score services: The platform offers credit scoring products that help lenders and individuals assess creditworthiness and repayment reliability.
• Credit bureau data services: Tasdeeq collects borrower data from member financial institutions and maintains one of Pakistan’s largest borrower databases.
• Decision analytics services: Banks, fintechs, and lenders use Tasdeeq analytics tools to improve underwriting decisions, fraud detection, and portfolio performance.
• Portfolio review services: Financial institutions can review customer portfolios for limit enhancements, cross-selling opportunities, and default risk monitoring.
• Alerts dashboard services: Lenders can monitor customer risk changes through automated alerts and dashboards.
• Business growth analytics services: Tasdeeq provides marketing and business intelligence tools to help lenders identify growth opportunities.
• Mobile app services: Individuals can access their credit score and reports through the Tasdeeq mobile app.

Countries