Score Intelligence

Retrieval-Augmented Scoring

When SKOOR evaluates your business health, it does not rely on a static formula. The AI retrieves relevant context for each scoring decision: your payment history with specific vendors, seasonal spending patterns, industry benchmarks, and compliance posture. This retrieval-augmented approach means your score reflects your actual financial behavior, not just a snapshot of your balance sheet.

Knowledge Graph

Every vendor relationship, transaction pattern, and financial event is mapped into a structured knowledge graph. SKOOR understands that your HVAC vendor is also your largest quarterly expense, that your fuel spending correlates with revenue months, and that your insurance payments arrive on the 15th. This graph powers recommendations — not just scores.

Contextual Accumulation

Every new transaction, vendor interaction, and payment decision adds context to your profile. A business with 12 months of consistent vendor payments has a richer context than one with 30 days. SKOOR rewards consistency by weighting historical depth in the score calculation. The longer you use the platform, the more accurate and favorable your score becomes.

• Retrieval-augmented scoring pulls relevant context per decision
• Knowledge graph maps vendor relationships and payment patterns
• Historical depth is weighted in score calculation
• Score accuracy improves as more data accumulates