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Credit Risk
Scoring Engine

The core intelligence of RACIS. We analyze behavioral data, historical defaults, and settlement records to generate a dynamic 300-850 risk score for every renter in Sri Lanka.

How it helps Customers

When you register with RACIS, you are initialized with a baseline score of 600. Every time you rent a vehicle and return it safely without payment defaults, your score increases. A higher score means you gain premium trust, allowing you to rent luxury vehicles easily without massive cash deposits.

  • Build a trustworthy national profile.
  • Lower security deposits at rental agencies.

How it protects Vendors

Before handing over keys to a multi-million rupee asset, vendors can query the customer's NIC. If the customer has a history of vehicle theft, severe damage, or defaulting payments at other agencies, the system will immediately flag a low score (e.g., 300) and issue a Blacklist warning.

  • Prevent catastrophic asset losses.
  • Eliminate cross-agency fraud loops.
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Ready to establish your profile?

Register securely today and initialize your national clearance score.