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Seamless Integration
and Instant Accuracy 

Our AI models provide solutions designed for onboarding, fraud prevention, credit analysis, and identifying underbanked profiles, income stability, and reliable payment behavior.

Customer Insights on Tap

Leveraging our proprietary algorithms, alternative data sources, and machine learning models, we provide scores that enhance banking, credit, and loan market access for underserved populations. 

AI-Driven Customer Profiles

With AI-driven 360 degree realtime customer insights, our technology harnesses payment analytics to deliver robust fraud prevention measures and precise insights into customers' financial status and credit risks.

Connecting AI Data Pipes for a Frictionless
Customer Journey

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Financial

Inclusion

Score

We extract critical data that showcases the potential of an underbanked profile, and then use our proprietary algorithms to generate a distinctive underbanked score, calculated dynamically with the understanding of the profile's capabilities.

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Credit

Trust

Score

The financial status and affluence indicators of each profile are then calculated and weighted, including history of positive and negative payment behavior, and traditional and alternative data (such as utility, telco, and rent bills).

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Secure

ID & Fraud

Score

We extract critical data that showcases the potential of an underbanked profile, and then use our proprietary algorithms to generate a distinctive underbanked score, calculated dynamically with the understanding of the profile's capabilities.

Secure ID & Fraud Score 

Staying vigilant and adapting to evolving fraud tactics is crucial to maintaining a secure environment. Our ID & Fraud Risk 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.

 

By utilizing profile resolution techniques, we proactively mitigate risks associated with synthetic ID creation, account takeover, and identify individuals with a propensity for fraudulent activities.

 

Our process begins with attribute matching, surpassing standard KYC onboarding practices by incorporating a broader range of attributes from multiple data sources.

 

Next, our state-of-the-art AI solution employs graph database analysis to uncover abnormal connections between profiles, ensuring a thorough assessment. Additionally, we conduct a meticulous assessment of digital footprints, including web screening, phone, email, and IP risk checks, exposure verification, and behavior stability verification.

Fronting

Our ID & Fraud Score assesses the stability and accuracy of a customer's name, address, and employment data to detect inconsistencies.

No Intent to Pay

By analyzing criminal, financial, and social demographic data, we can identify customers who are more likely to engage in such behavior, protecting your business from potential losses.

Account Takeover

We assess the security of a customer's IP address, phone number, email, and address to identify vulnerabilities and prevent account takeovers

Impersonation & Stolen Identity

Our ID & Fraud Score compares the consistency and authenticity of customer data with existing databases to highlight anomalies, thwarting fraudulent attempts.

Synthetic ID

Our advanced graph analytics validate linkages between these elements, making it extremely difficult for fraudsters to deceive using synthetic identities. We stay ahead of the curve by countering emerging threats, including those leveraging Generative AI technology.

E-Commerce

Instances of fraudulent transactions using stolen or counterfeit credit cards are increasing, while many businesses still lack adequate prevention measures.

Income Stability Score 

An income stability score is a powerful financial metric that provides a comprehensive assessment of an individual's or household's financial health. Income estimation, and by extension, the income stability score, are critical in today's financial landscape.

When making financial decisions, such as loan approvals, insurance underwriting, or rental applications, quick and accurate income estimation streamlines the process.

Credit Risk Assesment

Accurate income estimation helps you assess an individual's creditworthiness and gauge whether borrowers have the means to repay their debts. This, in turn, reduces the risk of loan defaults and ensures responsible lending practices.

Loan Approval

Precise income estimation leads to personalized financial products matched to an individual's financial capacity, encouraging responsible borrowing with loan terms, interest rates, and credit limits aligned to their income.

Personal Investment

An income stability score aids informed investment decisions by assessing the reliability of opportunities and gauging risk associated with income sources.

Insurance Coverage

Our score assists insurers in evaluating the financial stability of policyholders and determining appropriate coverage levels based on consistent income and premium payment capacity.

Risk-Based Pricing

Employ our income stability scores to implement risk-based pricing for financial services, setting interest rates and premiums according to customer's financial stability to mitigate risk for the institution.

Buying Power

Find affluent customers with high-paying, stable jobs to cross-sell and offer higher value products/pricing. Tailor financial products that better align with the specific financial capabilities and risk tolerance of individual customers. 

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. This score combines financial attributes, fraud risk analysis, payment patterns, and the financial standing of individuals or entities.

By leveraging 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), we generate a comprehensive credit risk score that applies to all individuals.

Underwriting

Our holistic credit risk score leverages information from over 28 unique data sources. This gives a 360-degree risk assessment of the customer in a single score.

Automation

Through a wide range of traditional and alternative sources we can generate robust credit risk scores for over 99% of the population. This score can be used to automate credit decisions on all segments within a portfolio.

The granularity of the Credit Score enables lenders to use risk-based lending strategies such as pricing and borrowing limits.

Pricing

Financial Inclusion Score 

The Financial Inclusion Score assesses customer potential for the underserved population. We utilize AI models to assess underserved status, virtuous payment behavior, and data from fraud and credit risk assessments. By combining these metrics, we generate a targeted ranking of underbanked profiles, providing crucial insights for unbanked citizens. Our primary objective is to identify underserved profiles that exhibit no signs of fraud and demonstrate a consistent and trustworthy payment behavior pattern.

Onboarding

This score can be used to identify individuals who are simultaneously underbanked, a low fraud risk, and creditworthy.

Cross-Sell

An underbanked customer has a lifestyle which can support more financial products.  This score can be used proactively to market to customers in your existing portfolio to ensure they take out more products from you, and not a competitor.

Ethical Lending

An underbanked customer has a lifestyle which can support more financial products.  This score can be used proactively to market to customers in your existing portfolio to ensure they take out more products from you, and not a competitor.

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