Creditinfo Georgia (CIG) and Creditinfo Solutions have jointly developed new scoring model, which is designed to help financial institutions conduct portfolio segmentation and more efficiently execute their marketing and sales strategies. The model is used to predict probability that customer will open a new or additional credit. Propensity Score is generated based on a statistical model, which incorporates information on individual and his or her current and historical payment behavior and other parameters into Credit Bureau. The total score is calculated as a sum of points allocated to individual variables. The higher is Propensity Score, the higher is probability that individual will either accept an offer for a new loan (in the case of New Loan Model) or increase credit card usage (in the case of Credit Card Model).