CLIENT GATEWAY
API Monitoring
Where comprehensive analytics converge to provide a dynamic view of API performance. Track key metrics, detect anomalies, and ensure seamless integration for optimal functionality and reliability.
FRAUD DEFENSE
Secure ID & Fraud Score
Defending against evolving fraud threats at every check point.
Staying vigilant and adapting to evolving fraud tactics is crucial to maintaining a secure environment. Our Secure ID & Fraud Score surpasses the confines of traditional fraud scores available in the market. It sets a new precedent by going above and beyond, delivering an unmatched level of comprehensive fraud detection and prevention.
How we do it:
Leveraging advanced profile resolution techniques, we proactively address risks related to synthetic ID creation and account takeover, then identify individuals prone to fraudulent activities. By conducting a meticulous assessment of digital footprints, encompassing web screening, phone, email, and IP risk checks, exposure verification, and behavior stability verification, we ensure you know exactly who your customer is.
Our process starts with attribute matching, surpassing conventional KYC onboarding practices by integrating a diverse array of attributes from multiple data sources.
This cutting-edge AI solution utilizes graph database analysis to unveil abnormal connections between profiles, ensuring a comprehensive evaluation.
1st Layer | Fortified Defenses
Account Takover
Stolen Identity
Synthetic ID
Onboarding
No Intent to Pay
E-Commerce Fraud
Impersonation
Secure ID &
Fraud Score
INCOME ACCURACY
INCOME ACCURACY
Income Stability Score
2nd Layer | Assess Income Strength
An essential financial metric, the Income Stability Score offers a thorough evaluation of an individual's or household's financial health. In today's financial landscape, quick and precise income estimation, reflected in the Income Stability Score, is crucial for streamlined decision-making in areas like loan approvals, insurance underwriting, and rental applications.
Household
Income
Actual
Income
Gig
Economy Income
Insurance Coverage
National Job
Title Average
Social
Security
Job
History &
Tenure
Income
Stability
Score
A historical view into the customer journey.
Our advanced AI analytics solution analyzes an individual’s historical financial behaviors, transactions, and interactions, creating a comprehensive narrative of their financial journey. This wealth of historical data serves as a critical component during our batch testing processes, adding an additional layer of analytics.
By analyzing historical metrics in tandem with real-time data, we reveal invaluable insights into patterns, trends, and anomalies, offering businesses historical scores that identify missed opportunities to mitigate fraud, verify income, and extend consumer credit. These distinctive scores instill confidence, assuring that 1datapipe’s AI analytics solution effectively safeguards against missed opportunities.
CREDIT ASSURANCE
Credit Trust Score
Conventional credit scores often overlook demographic groups lacking formal credit relationships. Our Credit & Behavior Risk Score addresses this gap by incorporating extensive alternative data to assess creditworthiness to generate a comprehensive credit risk score that applies to all individuals.
3rd Layer | Gauging Credit Risk
What this score does:
Combines financial attributes, fraud risk analysis, payment patterns, and the financial standing of individuals or entities.
Leverages a wide range of data, including traditional and alternative sources, as well as negative and positive payment information (such as utility bills, loans, collections, credit cards, retail cards, rent bills, bounced checks, and bureau inquiries)
Generates robust credit risk scores for over 99% of the population with a 360 degree risk assessment.
Rent &
Mortgages
Loan Approval
Collections
Utility Bills
Credit & Retail Cards
Credit
Extension
Mobile Phone
Payments
Credit Trust
Score
INCLUSIVE ANALYTICS
The first and only
Financial Inclusion Score
The Complete Customer Journey
An unparalleled fusion of AI intelligence and a myriad of features that redefine how we perceive creditworthiness.
Identifying creditworthy individuals is often overlooked by traditional screening methods. By unlocking opportunities in an expansive and unexplored market, we ensure that no eligible customers are excluded from financial services. Discover an all-inclusive mega score that combines insights from AI-driven features and analytics, merging a personalized analysis with a behavior-based approach. This isn't just a score; it's your gateway to a holistic understanding of every customer's financial journey.
4th Layer | Consumption Propensity
To assess customer potential for underserved populations, we utilize AI models to determine underserved status, virtuous payment behavior, and data from fraud and credit risk assessments.
With unparalleled precision, we identify underserved profiles that exhibit no signs of fraud and demonstrate a consistent and trustworthy payment behavior pattern.
Income
Stability Score
Onboard New Customers
Credit Trust Score
Propensity to Consume More
Ethical Lending
Cross-Selling
Secure ID & Fraud Score
Financial
Inclusion
Score
By combining these metrics, we generate a targeted ranking of underbanked profiles, providing crucial insights for unbanked citizens.
GEO-LIFE INTEL
GeoLifestyle Scores that decode the customer journey.
Fueled by AI Technology.
In the dynamic landscape of modern business, understanding your customers goes beyond surface-level interactions. We delve deep into the intricacies of the customer journey, utilizing advanced analytics to map cross-channel interactions.
Fueled by extensive geographical and behavioral data from millions of mobile devices, our advanced technology decodes the present and reveals the trajectory of customer behavior across key lifestyle themes, such as retail, fashion, travel, dining, sports entertainment, health, fitness, and more. Our technology unravels high-value customer and prospect segments within these lifestyle themes, exposing hidden patterns and preferences that shape customer choices, furnishing you with comprehensive insights that empower strategic decision-making tailored to the unique demands of each industry.
5th Layer | Geo-Precision, Lifestyle-Focused
Tailored
Engagement
Omni-Channel
Marketing
Personalized
Decisioning
Strategic
Targeting
GEOLIFESTYLE
SCORES
Precision
Mapping
By uncovering high-value customer and prospect segments, we unveil hidden patterns and preferences that influence customer choices.
From analyzing both online and offline behaviors to deciphering competitive customer dynamics, our goal is to provide you with comprehensive insights that empower strategic decision-making.