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
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
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
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
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.
