Assess every applicant with behaviour-based alternative risk scores

A risk evaluation solution for credit risk management teams based on privacy-consented, permissioned and anonymous smartphone and web metadata. Assess risky applicants and their probability to default in real-time by complementing your traditional data with behavioural insights and scores.

Trusted by the World’s Biggest Brands

Alternative Risk Module

Insurance Risk Module

Collections Module

Score new-to-credit, millennials, gig-economy workers, thin-files and thick-files alike

Payment Default

Develop scorecards to predict the probability of default for any of your customers including New-to-Credit and Thin-Files and at different points in time: from First Payment Default (FPD) to 30 days past due (DPD) during the first 6 months on books (MOB) and more.

Available for:

Ideal for digital lenders, banks, neobanks, BNPLs, and consumer finance companies looking to reduce the cost of risk, improve acceptance rates and enter new market segments

Leverage behavioural data to improve the predictivity of models built on traditional data

Insurance Policy Lapse

Develop scorecards that predict the probability of a user to lapse a policy premium. Assess a customer’s delinquency rate at policy origination stage, and prevents defaults before the policy reaches break even.

Available for:

Insurance Claim

Develop scorecards that predict the probability of any user to file an insurance claim by using predictive analytics based on behavioural metadata as a complementary input into your existing models.

Available for:

Ideal for digital lenders, banks, neobanks, BNPLs, and consumer finance companies looking to reduce the cost of risk, improve acceptance rates and enter new market segments

Improve the conversion of your telemarketing collections outreach with behavioural data

Collections Score

Develop scorecards that predict the probability of any of your delinquent customers to respond to a collections call. Prioritise agent’s outreach based on the willingness of each customer to pay back an outstanding amount.

Available for:

Ideal for digital lenders, banks, neobanks, BNPLs, and consumer finance companies looking to reduce the cost of risk, improve acceptance rates and enter new market segments

Modernising Risk Assessment

Leverage proprietary data via smartphones and websites without adding any friction to the customer journey

Lower Cost of Risk

Higher Predictive Power

Detect High-Risk Applicatns

Score Every Applicant

Accelerate Approval Times

<1 Second

Complementary with Credit Bureau Scores

Proven Results & Success

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Decreased cost of risk

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Increased approval rate

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Very low correlation with traditional sources of data

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Increased predictivity (GINI uplift)

Achieve 100% Predictivity without Compromising Personal Data

SDK 30 day free trial

Get 30-days access to evaluate the integration of our solutions embedded in your app and website

Register now in 3 easy steps!

1. Fill out the form

2. Get an email with instructions on how to access and test the SDK integration

3. Access the Developer Area and test the integration

How do we fit into your business model?

Arrange a meeting with us to discuss

Embedded tools

Easy to integrate

Seamless user experience enabled by a small library of code (Android <170Kb; iOS <2Mb) that collects privacy-consented and permissioned metadata.

Frictionless user experience enabled by a few lines of JavaScript (JS) code embedded in your web page that collects privacy-consented metadata.

Case Studies

Philippines

Vietnam

United Kingdom