Yep, that's what we are doing.

7Seconds provides a service that determines an optimal combination of the terms and the cost of the loan through solving 3 main problems of banking industry: lack of information about borrower (1), high level of fraud\insufficient information to assess credit risks (2) and the risk of undesired outcomes and possible changes in the creditworthiness of bad borrowers due to either a loss of part of the income or because of an increase in its credit burden (3).

Sounds like Magic, but it's real ,
We have a working solution at that field. It's not what we are like "PLANNING TO DO" or just "PLANNING TO TRY IT" - it's what we already did.
If you want to know how exactly we are doing it, just follow to the third page of our Whitepaper (https://7seconds.io/documents/white-paper.pdf).