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RiskSeal vs. SEON. An In-depth Comparison for Risk Managers

Compare RiskSeal and SEON digital scoring systems and choose the best option for your business goals.

Anastasiya Shitikova
Marketing Manager @RiskSeal
 RiskSeal vs SEON | 2025 Comparison
Table of contents

The modern market offers financial organizations many solutions for assessing credit risk and identification of valuable clients.  

FinTech organizations are searching for scoring solutions that best fit their needs. They evaluate options based on features, cost, and terms. 

Using relevant data as of September 2025, we will objectively compare RiskSeal with SEON. We’ll identify their pros and cons, differences, and similarities.

We’ve created this comparison for risk managers in the digital lending field. So we chose our comparison criteria based on what's important for risk managers, our target audience. 

RiskSeal: main insights

RiskSeal is a powerful AI-based credit scoring software designed for digital lenders. It offers over 400 alternative data signals obtained through advanced digital footprint analysis.

Enriching scoring models with non-traditional data allows RiskSeal's clients to:

  • Expand the customer base. Using alternative data sources, lenders can identify creditworthy customers among those lacking a credit history. 
  • Reduce loan default rates. With RiskSeal, lenders can enhance risk profiling and predict defaults using advanced analytics and behavioral data.
  • Speed up the processing of loan applications. We achieve this by decision process automation eliminating manual work. 

With RiskSeal, you will have access to real-time creditworthiness checks, digital identity verification, and a digital scoring system.

The solution easily scales according to your needs and supports seamless integration with external services.

SEON: main insights

SEON is a comprehensive system that utilizes a full suite of tools to detect and combat fraud. It provides detailed user verification through real-time digital tracking, analysis of phones, email addresses, IP addresses, and device fingerprinting.

Using the system allows you to:

  • Increase risk forecasting reliability. This is possible through the use of advanced machine learning and enhanced analytics.
  • Increase the speed of fraud detection. Accelerating this process occurs through real-time data processing.
  • Process various types of data. The system can analyze a wide variety of data to meet the needs of any business.
  • Adapt to new attacks. SEON offers flexible data processing, which helps combat specific fraud threats.

SEON features a user-friendly graphical interface and extensive integration capabilities. The tool also lets you create multiple accounts with different permission levels for collaborative work.

Expand your customer base

with RiskSeal's alternative data

RiskSeal and SEON advantages and disadvantages

RiskSeal SEON
Advantages
  • Instant Digital Credit Scoring solution
  • Digital footprint analysis
  • Advanced algorithms for assessing unbanked people
  • Access to user information, photo matching, name intelligence
  • Use of credit ratings
  • Digital footprint lookups
  • AML monitoring
  • Fraud prevention tools
  • Device fingerprinting
  • Disadvantages
  • No free version
  • Exclusive to fintech providers
  • Generic solution
  • Focus on online fraud
  • No smart behavior insights on a customer profile
  • Lack of useful insights, for example, photo matching and name intelligence
  • Feature comparison

    Modern solutions for credit scoring offer users a variety of capabilities. Let's compare the functionalities of RiskSeal and SEON.

    Features RiskSeal SEON
    Digital Credit Score Yes No
    Real-time signals delivered 400+ 200+
    Online registrations Yes Category-level only
    Photo matching Yes No
    Name Intelligence Yes No
    Location Insights Yes No
    Behavioral metrics Yes No
    Risk analysis Yes Yes
    Trust / Fraud score Yes Yes
    Email data enrichment Yes Yes
    Email address analysis Yes Yes, limited
    Phone data enrichment Yes Yes
    User social media search Yes Yes
    IP analysis Yes Yes

    Customer support comparison

    Customer support is essential to successful collaboration between a vendor and a company. 

    Next, you can compare what RiskSeal and SEON offer here.

    Indicator RiskSeal SEON
    Support in applying the data to the decision-making process Yes No
    Personal approach Yes No

    Cost comparison

    The cost of the solution is another criterion that plays a significant role in its selection.

    Indicator RiskSeal SEON
    Cost per month Two pricing plans - Basic for $499/mo Custom - favorable pricing terms for a high volume of transactions Two pricing plans - Starter – €599 / month Premium – custom price
    Free trial Yes Yes
    Free integration Yes Yes
    Free support Yes Yes

    Key distinction: RiskSeal vs. SEON

    The primary distinction lies in purpose and application.

    RiskSeal has been developed specifically for lending organizations, with a focus on:

    • solvency assessment
    • default reduction
    • enabling more accurate credit decisions

    Its design supports the extension of credit to underserved segments, such as unbanked and underbanked individuals.

    At the same time, it ensures compliance and effective risk control.

    SEON is positioned more broadly as a fraud prevention solution.

    It is widely used in e-commerce and digital transactions, where speed and large-scale fraud detection are critical.

    Its digital footprint analysis, as outlined in the company’s documentation, does not display the specific websites where a user holds accounts.

    Instead, it groups registrations into broader categories such as “social media,” “entertainment,” or “technology.”

    This clustering approach is effective for detecting patterns of fraudulent behavior across industries. However, it may provide less granularity for assessing individual borrowers’ creditworthiness.

    For lending institutions, this difference is significant. Evaluating solvency and trustworthiness requires visibility into detailed digital behaviors. These go beyond general fraud indicators.

    How to make the right choice? 

    Both RiskSeal and SEON deserve your attention. They are based on advanced technologies, including Machine Learning, which enables automation of decision processes.

    The choice between them should be based on the specifics of your company. 

    If you are a lending organization, RiskSeal is the right credit scoring software for you. It will help improve scoring, maximize the use of digital footprints for your scorecards, and utilize alternative data for customer evaluation.

    If your business requires a fraud prevention solution, opt for SEON. The tool is flexible and fully supports fraud detection needs.

    Improve your credit scoring accuracy

    With Data Enrichment

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