Digital Credit Scoring
to Boost Fintech Lending in Emerging Markets
API-based platform for credit scoring through digital footprint analysis. Trusted by fintechs across emerging markets in LATAM, Asia, Africa, and beyond.
Key Benefits of Digital Credit Scoring Using Digital Footprints
Identify valuable customers
Get 300+ data points through digital footprint analysis and precisely identify solvent customers.
Detect potential defaulters early
Find any suspicious signs in seconds, detecting future defaulters without creating friction for your customers.
Unlock new markets
Tap into remote unbanked and underbanked markets and quickly gain a competitive advantage.
Distribute loans confidently in emerging markets
with limited traditional data
Empower your risk team
with Digital Credit Scoring
Our Digital Credit Scoring solution analyzes the borrower’s email, phone number, IP address, full name, location, and photo, then evaluates their digital footprint from over 140 online platforms.
With just a single API call, RiskSeal provides lenders with 300+ customer insights, a detailed client profile, and a ready-to-use digital credit score.
Digital identity verification
The real-time authentication of a borrower's identity using online verification methods.
Detailed consumer profile
A 360-degree view of consumer digital footprints, spotlighting lifestyle habits for detailed understanding.
Alternative data points
300+ data points to enrich scoring models and reduce the time-to-yes from days to seconds.
Region-specific
Local online services and market-specific insights enhance borrowers’ evaluation.
The Impact of RiskSeal's
Digital Credit Scoring Solution
Approved customer base growth
Identification of trustworthy customers from high-risk ones, even with low or no credit rating.
Proactive default prevention
Stop defaulting loans before they happen and avoid the cost of debt collection, or loss from no repayment.
Credit risk reduction
Real-time, accurate, and extensive data to spot default risk, even in underbanked areas or without access to a credit bureau.
Market Expansion
Enter and compete in new markets by reaching unbanked and underbanked populations.
Lower cost of risk
Leverage the predictive capability of AI and ML to improve digital scorecards, decreasing the cost of risk.
Great UX
Shorten the credit decision time from days to seconds with 300+ customer insights delivered in real time.
FAQ
What data will I get by using RiskSeal’s Digital Credit Scoring solution?
By using RiskSeal’s Digital Credit Scoring solution, fintech providers access a set of alternative data aimed at enhancing the credit assessment process.
The service provides over 300 data points by analyzing more than 140 online platforms, including regional ones. We ensure an in-depth analysis of a borrower's digital footprint and financial behavior.
Can RiskSeal integrate with my existing loan processing system?
Yes. RiskSeal can easily integrate with the existing loan origination system through its APIs, as an efficient addition of its risk management module.
Is your Digital Credit Scoring solution compliant with privacy regulations?
Absolutely. Our Digital Credit Scoring solution is designed with strict adherence to privacy regulations, ensuring full compliance with both the General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA).
How long does it usually take to process an application?
Every application is processed in real-time, and it usually takes from 5 to 12 seconds. The speed depends on the regional platforms enabled for your account and the complexity of the profile when the Face recognition add-on is turned on.
Will I receive a completed Digital Credit Score?
Yes, you will. Our system provides a fully evaluated digital credit score that reflects the creditworthiness of the individual.
How RiskSeal can improve the default ratio?
How does the integration with RiskSeal look like?
Can you provide examples of the digital and social footprint RiskSeal provides?
Does RiskSeal flag bad customers across the region?
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