An interactive web tool for credit risk data binning, Weight of Evidence (WoE), and Information Value (IV) optimization. Built for credit scoring professionals, data scientists, and financial institutions.
🔗 Live App: capprossbins.cappross.com
Free to use. Commercial software, not open source. CapprossBins is offered at no charge. That is a price, not a licence — copying, redistribution and derivative works are strictly prohibited. See LICENSE.
CapprossBins is a comprehensive, accessible alternative to heavy enterprise software (like SAS or FICO) and programmatic Python libraries (like OptBinning or scorecardpy). It provides an intuitive, interactive web interface for building transparent credit risk models, performing WOE segmentation, and calculating Information Value without writing code.
- Interactive WOE Binning: Manually adjust bins with monotonic constraints.
- IV Calculation: Feature selection based on Information Value.
- Model Stability: Monitor Population Stability Index (PSI).
- Credit Scorecard Development: Transparent models with SHAP explainability.
- Regulatory Compliance: Support for Basel and IFRS 9 standards.
- Model Governance: Complete audit trails for risk model adjustments.
A detailed walkthrough of building a high-performing credit scoring model using WOE binning and IV-based feature selection across 5 risk tranches.
How WOE binning revealed that 67.5% of churned customers were actually power users. Deep strategic analysis through intelligent customer segmentation.
CapprossBins is an analytical tool. Its outputs are modelling aids for qualified practitioners — not credit advice, not a lending decision, and not a certification of regulatory compliance. References to Basel or IFRS 9 describe the analytical support provided, not a warranty that any model built with it satisfies a supervisory requirement. Model validation, governance and fair-lending testing remain yours.
CapprossBins is commercial software. It is not open source.
Copyright © 2026 Cappross (Yasser Soliman). All rights reserved. Full terms in LICENSE.
- Free to use today — a price, not a licence. Free use of the hosted service grants no rights in the software.
- Copying, redistribution, mirroring, modification and derivative works are strictly prohibited.
- No offering it as a hosted or managed service.
- No use of the software or service to train or evaluate machine-learning models, and no bulk scraping.
- "CapprossBins" and "Cappross" are trademarks. No trademark rights are granted.
Earlier revisions of this repository carried an MIT licence in error. No application source was ever published under it — this repository has only ever held documentation. See the notice at the top of LICENSE.
Commercial licences, enterprise terms and written permissions: cappross.com
- AAAS — Accrual Anomaly Audit Screening — forensic screening for U.S. public-company filings
- Cappross — Yasser Soliman's portfolio and the home of the product network
Yasser Soliman — cappross.com | LinkedIn
woe, iv, credit-scoring, risk-modeling, scorecard, binning, weight-of-evidence, information-value, credit-risk, basel, ifrs9