Modern Credit Scoring using PSD2 Open Banking data and psychometry to demonstrate consumer creditworthiness and affordability to lenders. FriendlyScore is a B2B2C software solution that allows consumers to answer psychometric questions and share their Open Banking data with financial institutions as an alternative to data held by traditional credit bureaus. Available as an app, website or SDK engine to be integrated into an existing credit application process, the user provides consent and authentication so that the data is collected, aggregated and passed through a custom scoring algorithm as well as an affordability assessment. The results are then available instantly to be used in the credit decision process. The service is currently available to assess both individuals and SMEs.