Top 20 Credit Scoring Software Development Companies for Banks

Demand for credit scoring software development companies is growing as banks replace fragmented underwriting processes with AI-assisted decisioning and connected data platforms.

The European Banking Authority reports that 92% of EU banks already deploy AI, with creditworthiness assessment and individual credit scoring among the observed use cases. This makes model accuracy, explainability, auditability, and integration with existing banking systems central development requirements.

Top 20 credit scoring software development companies:

1. Computools

2. Intellectsoft

3. Langate Software

4. Light IT Global

5. Darly Solutions

6. DBB Software

7. Apriorit

8. Railsware

9. Digis

10. Tallium

11. Cleveroad

12. Jelvix

13. 7EDGE

14. Empat

15. Zfort Group

16. Ralabs

17. GLOBALDEV

18. ElifTech

19. Sombra

20. Brights

Experian’s research across 708 senior credit and fraud risk leaders found that 83% expect lending to become embedded in commercial transactions by 2030, while 80% anticipate greater reliance on alternative data than traditional sources. Banks therefore need platforms that process bureau, behavioral, open banking, identity, and transaction data in real time while keeping credit decisions transparent and controllable.

How we evaluated credit scoring software development companies

To qualify for this list, companies had to meet clear experience, scale, reputation, and security benchmarks.

Top 20 credit scoring software development companies for banks

The companies below were selected for their banking expertise, secure delivery practices, verified client feedback, and experience with financial data, risk automation, and lending workflows.

1. Computools

Company snapshot

• Market experience: 13+ years
• Team: 250+ experts
• Delivery record: 400+ projects, including 50+ financial software projects
• Global presence: USA, UK, Poland, Ukraine, Germany, Austria, Norway, and Israel
• Security and compliance: ISO 9001, ISO/IEC 27001, GDPR, and AML/KYC
• Technology partnerships: Microsoft and AWS Partner
• Top clients: Visa, Epson, IBM, Dior, Bombardier, and the British Council

Computools leads this list with more than a decade of experience delivering secure platforms for banks, lenders, fintech companies, and other regulated financial organizations. Its banking software development services cover credit decision workflows, lending platforms, risk automation, financial integrations, and secure web development for internal and customer-facing banking products.

For credit scoring initiatives, the company can design platforms that consolidate bureau records, transaction histories, identity data, behavioral signals, and third-party sources within a controlled decision environment. Its expertise in data engineering supports data validation, normalization, integration, and governance, helping banks improve the consistency and traceability of borrower assessments.

The company follows a phased delivery model that includes business and data analysis, architecture planning, pilot implementation, KPI validation, and controlled rollout. This allows banks to test data quality, processing speed, decision workflows, security controls, and integration stability before extending a solution across additional products or borrower segments.

Relevant financial projects include:

• Invest Latam: A peer-to-peer lending platform connecting small businesses with investors. The system supported credit evaluation, KYC, financial service integrations, and more than 1,000 lending transactions within five years.
• KYCentrum: A real-time risk monitoring and automated KYC platform that reduced confirmed fraud cases by 41% and false positives by 52%.
• CardFalcon: A centralized platform for credit card issuing operations that reduced manual work by 65% and accelerated banking request processing by 55%.
• Finmap Online: A financial management platform with secure integrations for Revolut, Payoneer, and BNP Paribas, helping consolidate financial data and improve customer satisfaction from 6 to 8.

Together, these projects demonstrate experience across lending workflows, borrower verification, risk decisioning, banking automation, and financial data integration, which form the operational foundation of modern credit scoring systems.

2. Intellectsoft

Company snapshot

• Market experience: 18+ years
• Team: 135+ specialists
• Delivery record: Enterprise AI, fintech, mobile, and custom software products for mid-market and Fortune 500 companies
• Global presence: USA, UK, Norway, Ukraine, and Latin America
• Security and compliance: ISO 9001:2015, ISO 27001:2022, HIPAA, and GDPR
• Technology partnerships: AWS and Google Partner; expertise across Microsoft, Snowflake, and Databricks ecosystems
• Top clients: Ernst & Young, Harley-Davidson, Jaguar, Universal Pictures, London Stock Exchange, Qualcomm, and Bombardier

Intellectsoft is an AI-first banking software development company that builds digital banking platforms, lending software, payment products, data hubs, and automated financial workflows. Its banking capabilities include predictive analytics, credit scoring algorithms, loan applications, digital identity, online banking security, regulatory reporting, and integration with financial systems.

The company follows an architecture-first approach, defining data flows, security requirements, integration points, and operational risks before development. This makes Intellectsoft relevant for banks modernizing lending operations, introducing AI-assisted borrower assessment, or connecting new credit decision tools with existing banking infrastructure.

3. Langate Software

Company snapshot

• Market experience: 20+ years
• Team: 150+ software experts
• Delivery record: Products used by 450+ companies
• Global presence: USA, with offices in New Jersey and New York
• Security and compliance: ISO/IEC 27001:2022, HIPAA, GDPR, and OWASP-aligned delivery
• Technology partnerships: Microsoft Gold Partner with Azure AI Platform and Low-Code Development specializations
• Top clients: Augvantis, Hyperakt, Madison, rater8, Approved Admissions, and Bunddler

Langate develops AI-driven platforms for regulated industries, with finance capabilities covering forecasting, accounting, budgeting, payment workflows, and loan repayment analysis. For banks, the company can support credit risk assessment software using predictive analytics, secure data processing, cloud infrastructure, and governed AI models.

Its Microsoft-focused ecosystem combines software modernization, AI transformation, data analytics, and compliance controls. Public materials emphasize healthcare more strongly than banking, but Langate’s experience with sensitive data and regulated systems remains relevant to financial institutions building risk and decision-support platforms.

Credit scoring accuracy depends on the quality, consistency, and timing of decision data. A risk scoring engine for banking combines customer profiles, transaction signals, business rules, and model outputs within a traceable decision process.

4. Light IT Global

Company snapshot

• Market experience: 20+ years
• Team: 170 software engineers
• Delivery record: 400+ projects, including 100+ fintech solutions used across 23 countries
• Global presence: UK, Poland, Spain, Germany, the Netherlands, Portugal, and Ukraine
• Security and compliance: ISO 9001:2015, ISO 27001, GDPR, KYC/AML, and NIST SSDF-aligned delivery
• Technology partnerships: AWS- and IBM-certified expertise
• Top clients: ABB, Pfizer, FamiCord, and Ultra

Light IT Global brings relevant banking experience across digital lending, KYC, portfolio management, and financial analytics. Its work as one of the more specialized credit scoring software developers is supported by a custom ML-based CRM for a credit union, a digital onboarding platform, and solutions for loan origination, risk assessment, and financing workflows.

For banks, the company can combine AI, big data, secure APIs, and cloud infrastructure to improve borrower evaluation and automate lending operations. Its compliance-focused delivery model also helps integrate new decision tools with existing financial systems while maintaining data security and operational control.

5. Darly Solutions

Company snapshot

• Market experience: 9+ years
• Team: 100+ engineers
• Delivery record: 300+ projects, including 70+ FinTech solutions
• Global presence: Projects delivered across the USA, Canada, the UK, and Europe
• Security and compliance: Encryption, multi-factor authentication, secure backend development, and dedicated QA for financial products
• Technology partnerships: Not publicly disclosed
• Top clients: PSS AG, Vidina Solutions, Mama Travel, and other mid-market product companies

Darly Solutions works with banks and fintech businesses on mobile banking products, investment platforms, financial dashboards, real-time transaction systems, and secure backend integrations. As a lending software development company, it can support customer onboarding, application workflows, reporting tools, and mobile interfaces for digital financial products.

Its lean delivery model combines product discovery, UI/UX, software engineering, QA, and post-launch support. Short sprint cycles, regular demonstrations, and budget tracking make the company relevant for banks that need to validate a new lending product, improve an existing digital channel, or extend an internal financial platform without building a large in-house team.

Launch your AI-powered credit scoring platform in 1–3 months instead of years, and approve more quality borrowers without increasing underwriting headcount.

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6. DBB Software

Company snapshot

• Market experience: 10+ years
• Team: 100+ software engineers
• Delivery record: 100+ completed projects
• Global presence: Poland and Ukraine, serving clients across Europe and the USA
• Security and compliance: ISO/IEC 27001 certification, CMMI-aligned processes, and secure-by-default cloud delivery
• Technology partnerships: AWS Select Tier Partner; Microsoft Azure and MongoDB certifications
• Top clients: JLL, WeWork, RedAlpine, Philips, DispatchHealth, and Doctify

DBB Software develops cloud-based financial products, payment systems, customer dashboards, compliance tools, and lending platforms. Its experience in loan origination software development covers secure backends, banking API connections, KYC and AML integrations, reporting, and automated financial workflows.

The company uses senior architects, reusable components, and AI-assisted engineering to shorten delivery cycles. This approach may suit banks testing a new lending product or modernizing an existing platform through a controlled proof of concept before full implementation.

7. Apriorit

Company snapshot

• Market experience: 24+ years
• Team: 400+ experts across 15 development teams
• Delivery record: 675+ projects, including 40+ FinTech engagements
• Global presence: USA, Canada, Poland, Cyprus, and Eastern Europe
• Security and compliance: ISO 9001, ISO 27001, TISAX, NIST, GDPR, PCI DSS, PSD2, and DORA-aligned delivery
• Technology partnerships: Microsoft Solutions Partner with Azure expertise
• Top clients: Fortune 500 and global technology companies; most names are not publicly disclosed

Apriorit brings a security-first engineering model to banking platforms, payment systems, P2P lending, BNPL products, and AI-based risk tools. Its teams can develop AI risk scoring software that processes large datasets, supports loan decision workflows, detects suspicious activity, and applies explainable controls around automated outcomes.

The company is particularly strong in secure SDLC, identity protection, cloud infrastructure, penetration testing, and legacy-system integration. This combination is relevant for banks handling sensitive borrower data or introducing predictive risk models within strict compliance and cybersecurity requirements.

8. Railsware

Company snapshot

• Market experience: 18+ years
• Team: 170+ product and engineering specialists
• Delivery record: Products delivered for 60+ clients, alongside in-house platforms such as Mailtrap, Coupler.io, and TitanApps
• Global presence: Poland, the UAE, Ukraine, and the USA, with team members across 15 countries
• Security and compliance: Secure product engineering and FinTech regulatory compliance
• Top clients: Calendly, BrightBites, 4Finance, Quorso, and Zephyrus Partners

Railsware combines product management, engineering, UX design, and analytics to build banking and lending products from discovery through growth. Its work for 4Finance included a consumer lending platform used across multiple countries, supporting millions of customers and loan transactions.

The studio is relevant for banks developing a digital lending platform, P2P lending product, financial planning tool, or AI-supported analytics system. Its experience with high-volume data processing and back-office automation also supports faster lending operations and lower manual processing costs.

9. Digis

Company snapshot

• Market experience: 10+ years
• Team: 200+ specialists
• Delivery record: 300+ projects, including 50+ financial technology engagements
• Global presence: UK, USA, and delivery coverage across multiple European and international time zones
• Security and compliance: Secure financial development, data protection, regulatory compliance, and continuous QA
• Technology partnerships: Part of Fiverr Group; patented Smart Outsourcing Automation Paradigm
• Top clients: BlaBlaCar, HubSpot, Connectbase, ZenduIT, Otoqi, and ZEWAY

Digis supports banks and financial institutions with mobile banking applications, digital wallets, risk management systems, investment platforms, and AI-driven analytics. Its experience with banking AI solutions includes automation, financial data analysis, and intelligent tools that can strengthen credit operations and customer decision workflows.

The company offers both full-cycle delivery and staff augmentation, allowing banks to add specialized engineers quickly or build a product from discovery through launch. Its two-week trial period and global delivery coverage may also reduce hiring risk for institutions expanding internal fintech teams.

A score creates business value only when it triggers a clear operational response. A banking workflow automation system can route applications for approval, additional verification, manual review, or rejection while preserving responsibilities and decision history.

10. Tallium

Company snapshot

• Market experience: 13+ years
• Team: 120+ IT professionals
• Delivery record: 250+ projects delivered
• Global presence: Netherlands, Ukraine, Poland, Sweden, and Canada
• Security and compliance: Experience with PCI DSS, GDPR, PSD2, SOC 2, AML/KYC, and MiFID requirements
• Technology partnerships: Not publicly disclosed
• Top clients: UBS, Sense Bank, TBC Bank, Mangold, and NOWO

Tallium has worked with established banks and fintech companies on mobile banking, investment platforms, automated lending, credit scoring, underwriting, and risk dashboards. Its capabilities in loan underwriting automation cover borrower journeys, scoring logic, AI-assisted risk assessment, compliance controls, and integration with existing banking systems.

The company combines product strategy, UX, engineering, and AI expertise within one delivery team. Relevant projects include a next-generation mobile banking app with 50+ features, Mangold’s modernized investment banking platform, and NOWO’s retirement savings product, which increased sign-ups by 30%.

11. Cleveroad

Company snapshot

• Market experience: 15+ years
• Team: 250+ software specialists
• Delivery record: 300+ web, mobile, and AI-driven products
• Global presence: USA, Norway, Estonia, and engineering teams across five countries
• Security and compliance: ISO 27001, ISO 9001, GDPR, PCI DSS, PSD2, DORA, FFIEC, and GLBA expertise
• Technology partnerships: AWS Select Tier Partner and member of the Claude Partner Network
• Top clients: Mangopay, Penneo, Blockbuster, TBS AG, and Proprio Cloud Solutions

Cleveroad develops core banking systems, digital channels, open banking APIs, analytics platforms, and controlled AI extensions. Its financial portfolio includes an eBanking ecosystem for a Swiss investment bank and a SAMA-compliant micro-investment platform with KYC and multi-factor authentication.

For credit risk modeling, the company offers predictive analytics for default assessment, behavioral analysis, and risk monitoring. Its code-audit and modernization services also help banks introduce new decision functionality into legacy environments while preserving data integrity, compliance, and operational continuity.

12. Jelvix

Company snapshot

• Market experience: 16 years
• Team: 450+ technology professionals
• Delivery record: 270+ customers, 82% client retention, and a 98% NPS
• Global presence: Headquarters in Tallinn, Estonia, with delivery coverage across 38 time zones
• Security and compliance: ISO 9001, ISO 13485, ISO/IEC 27001, ISO 27701, and HIPAA
• Top clients: Auchan, Benzinga, Canon, Nexus, Kingsbridge Wealth Management, Samsung, Tiber Capital Group, and Vista Research Group

Jelvix develops digital banking, lending, payment, fraud prevention, and investment management systems. Its Big Data and AI capabilities can support financial risk assessment by processing customer, transaction, and market data to identify exposure patterns and improve decision speed.

The company is suited to large banking programs involving high-load software architecture, legacy integrations, and regulated web and mobile channels. Its enterprise delivery experience helps banks connect risk workflows with payment infrastructure, customer applications, and internal operational systems.

13. 7EDGE

Company snapshot

• Market experience: 15+ years
• Team: 100+ software and product specialists
• Delivery record: 500+ web and mobile application projects
• Global presence: India, with projects delivered across the USA, UK, UAE, Germany, Seychelles, and Singapore
• Security and compliance: Security-focused cloud-native and microservices architecture; formal certifications are not publicly specified
• Technology partnerships: AWS expertise; official partner status is not publicly confirmed
• Top clients: Facebook, Sapient, GE, Infosys, IBM, Larsen & Toubro, 3M ESPE, and The Week.

7EDGE builds cloud-native web and mobile systems using microservices, serverless architecture, AI, and business intelligence. For banks, these capabilities can support digital channels, data-intensive workflows, integrations, and a scalable credit decision engine connected to internal and third-party services.

Its direct public evidence in credit scoring is limited, so the company is more relevant for platform architecture, modernization, and delivery capacity than for a proven standalone scoring product.

14. Empat

Company snapshot

• Market experience: 13+ years
• Team: 140+ in-house experts
• Delivery record: 300+ digital products across 23 markets, including 50+ AI-powered projects since 2022
• Global presence: USA, UK, and Ukraine
• Security and compliance: Experience with HIPAA, KYC/AML workflows, secure cloud infrastructure, and regulated financial products
• Technology partnerships: AWS, Microsoft Azure, and Google Cloud; AI toolsets include OpenAI, Claude, and GitHub Copilot
• Top clients: Porsche, Panasonic, CBRE, Heinemann, Transparency International, Fuel Finance, and Restream

Empat develops digital wallets, lending platforms, payment integrations, embedded finance tools, and financial dashboards. For banks introducing automated loan approval, its teams can cover borrower-facing applications, KYC/AML workflows, decision interfaces, backend integrations, and AI-supported data processing.

Its public fintech work includes an embedded finance SDK, an automated payout platform, expense management software, and Fuel Finance’s planning product. The portfolio shows stronger evidence in customer-facing finance and workflow automation than in dedicated bank credit-scoring engines.

Reliable borrower assessment starts with verified customer information. An automated KYC verification system helps financial institutions validate identity data, reduce manual checks, and maintain auditable onboarding records

15. Zfort Group

Company snapshot

• Market experience: 25+ years
• Team: 250+ specialists
• Delivery record: Hundreds of custom software projects, including 28 banking solutions
• Global presence: USA and Ukraine, with representatives across Europe, North America, Asia, and the Middle East
• Security and compliance: ISO 9001:2015, ISO/IEC 27001:2022, SOC 2, HIPAA, and security-focused delivery for regulated systems
• Top clients: Sable International, RealNYC, Maru Group

Zfort Group combines banking software engineering with AI, predictive analytics, and enterprise data processing. As a credit scoring software company, it can support risk assessment platforms, loan-processing algorithms, internal decision tools, compliance automation, and secure connections with core banking systems.

Its banking practice covers core platforms, digital channels, operational automation, and risk management tools. Controlled releases, extensive testing, and close work with security and compliance teams make Zfort Group relevant for banks modernizing live systems without disrupting customer services.

16. Ralabs

Company snapshot

• Market experience: 10+ years
• Team: 150+ specialists
• Delivery record: 100+ completed projects, including 20+ FinTech engagements
• Global presence: USA, Ukraine, Albania, Slovakia, Poland, Estonia, Turkey, Spain, and Portugal
• Security and compliance: GDPR, HIPAA, PCI DSS, and SOC 2-focused delivery
• Technology partnerships: expertise across AWS, Azure, OpenAI, and cloud data ecosystems
• Top clients: Capitalise, CR2, LeafLink, StrideUp, Invoice.Me, and ODSC

Ralabs builds banking, lending, payment, and financial automation products with integrations to credit bureaus, Experian, payment providers, accounting systems, and financial APIs. Its work for Capitalise supported borrower risk analysis by consolidating business data and analytics for more than 100 lenders and major UK banks.

The company also delivered an omnichannel banking platform for CR2 and automated financial workflows for LeafLink. Its mix of data pipelines, cloud engineering, AI, and compliance assessment is relevant to banks improving lending decisions or modernizing fragmented financial operations.

17. GLOBALDEV

Company snapshot

• Market experience: 14+ years
• Team: 250+ specialists
• Global presence: Poland, with distributed delivery across eight time zones
• Security and compliance: ISO/IEC 27001 certification and GDPR-compliant delivery
• Technology partnerships: AWS-certified cloud expertise; formal partner status is not publicly specified
• Top clients: ECIT, Budget Thuis, Axonlab, Subway, Pliant, Tarya, and Auchan

Globaldev works with banks, lenders, wealth management firms, and fintech companies on core platforms, customer applications, loan management systems, and financial data products. Its AI Lab combines model development with data infrastructure and analytics, making the company relevant for AI-powered credit scoring based on customer, transaction, and operational data.

Its teams can also support credit risk management through decision-support tools, risk assessment workflows, dashboards, and integrations with existing banking infrastructure. The company offers both end-to-end product delivery and dedicated engineering teams for long-term platform development.

18. ElifTech

Company snapshot

• Market experience: 10+ years
• Team: 100+ engineers
• Delivery record: 250+ completed software projects
• Global presence: USA and Ukraine
• Security and compliance: Experience with online KYC, fraud detection, secure payment systems, and compliance support; formal certifications are not publicly specified
• Technology partnerships: AWS, Microsoft Azure, and Google Cloud expertise; official partnership status is not publicly confirmed
• Top clients: ClassWallet, Atrium Partners, and Beta Accelerator

ElifTech develops digital banking applications, lending platforms, open banking solutions, digital wallets, and financial analytics systems. Its FinTech offering explicitly includes AI credit scoring software, mobile lending applications, P2P platforms, loan portals, and AI-supported financial data analysis.

The company can also support alternative credit scoring by connecting lending workflows with customer data, analytics models, identity verification, and external financial services. Its public portfolio is stronger in wallets, trading, cash-flow management, and payment products than in documented bank-grade scoring implementations.

Credit risk and fraud controls often rely on the same customer, transaction, device, and behavioral signals. This overview of banking fraud detection software development companies explains what financial institutions should evaluate when selecting a partner for monitoring and financial crime prevention.

19. Sombra

Company snapshot

• Market experience: 13+ years
• Team: 400+ technology professionals
• Delivery record: 98% of projects delivered on time and within scope
• Global presence: USA, Europe, Latin America, Canada, India, and the Middle East
• Security and compliance: ISO/IEC 27001, PCI DSS, GDPR, SEC, FINRA, FCA, and IIROC expertise
• Technology partnerships: AWS, Microsoft Azure, and Google Cloud expertise; formal partner status is not publicly specified
• Top clients: Studio Ninja, Packback, Wifinity, Womply, Accordion, Campminder, and Waterford

Sombra develops lending platforms, digital banking products, KYC/AML systems, financial analytics engines, and risk management tools. Its finance teams work with transaction streams, borrower information, portfolio data, and automated risk scoring to improve decision accuracy and give lenders real-time visibility into exposure.

The company combines financial data architecture, predictive analytics, cybersecurity services, and application modernization within phased modernization programs. API-first migration and controlled releases allow banks to introduce new lending and risk functionality while keeping legacy systems operational and preserving audit trails, access controls, and regulatory reporting.

20. Brights

Company snapshot

• Market experience: 15 years
• Team: 120+ specialists
• Delivery record: 300+ projects across more than 30 countries
• Global presence: Poland and Ukraine, serving clients across North America and Europe
• Security and compliance: ISO/IEC 27001:2022, GDPR, PCI DSS, KYC, and AML expertise
• Technology partnerships: Storyblok Certified Partner, Contentful Associate Partner, Databricks Partner Network, and Hygraph Certified Partner
• Top clients: Mastercard, Microsoft, UNIQA, INGO, Pepsi, and Danone

Brights builds and modernizes digital banking products, payment gateways, P2P lending platforms, investment software, and customer-facing financial applications. Its FinTech capabilities include AI-supported creditworthiness assessment, fraud detection, real-time data processing, financial analytics, and integrations with external services.

The company combines cloud-native architecture, security audits, product engineering, and phased legacy modernization. This delivery model can help banks improve lending workflows and introduce new scoring functionality while protecting financial data and limiting disruption to existing operations.

Why banks choose Computools for credit scoring software development

Computools’ banking software development services connect credit scoring with bureaus, KYC providers, loan origination systems, core banking platforms, and internal approval workflows. Reason codes, audit trails, model versioning, and manual review paths support explainable AI for banking and give risk teams control over automated decisions. Its AI development services cover predictive modeling, decision automation, model validation, explainability, and integration with existing lending and risk workflows

Delivery starts with workflow and data analysis, followed by a pilot for one product or borrower segment. Clear checkpoints validate model quality, processing speed, security, and integration stability before rollout. A banking analytics platform can track approvals, declines, exceptions, model drift, and portfolio performance, while open banking integration supports consented financial data access and PSD2 compliance.

Relevant results include:

• KYCentrum: 41% fewer confirmed fraud cases and 52% fewer false positives.
• CardFalcon: 65% less manual work and 55% faster banking request processing.
• Caribbean Bank: Visa integration and redesigned digital banking supported a 12% market-share increase among customers aged 18–30.

These are selected examples from more than 50 financial software projects. Computools also delivers additional banking, lending, investment, payment, and risk-management solutions, including projects protected by client NDAs. Its financial software development services cover the full path from product strategy and pilot validation to launch, optimization, and measurable ROI.

Conclusion

Choosing a credit scoring technology partner directly affects decision accuracy, regulatory control, integration reliability, and the speed of lending operations. Banks should assess lending expertise, regulated data handling, model explainability, audit trails, system integrations, and phased validation before full rollout. The selected vendor should also cover the broader product scope, from decision infrastructure and integrations to mobile app development services, so underwriting, onboarding, and account management remain connected.

A well-designed credit scoring platform improves decision speed, strengthens risk control, and gives lending teams clearer visibility into every approval, decline, and exception. The strongest implementation is the one that delivers measurable gains in accuracy, processing time, operational cost, and portfolio performance.