Digital Credit Scoring Platform for Emerging Markets
API-based solution for real-time credit scoring powered by digital footprint analysis. Used by lenders across LATAM, Asia, Africa, and beyond to reduce risk, expand lending, and approve more reliable borrowers.
Key benefits of using alternative credit score software
Spot creditworthy applicants
Identify solvent customers relying on 400+ real-time signals we deliver.
Detect potential defaulters early
Find suspicious signs that traditional digital credit solutions often miss and flag future defaulters.
Reach unbanked customers
Let RiskSeal be the bridge between your company and underserved populations.
Lend with confidence in emerging markets. Even when traditional data is limited.
AI-powered software
for credit scoring in real time
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 200 online platforms.
With just a single API call, RiskSeal provides lenders with 400+ 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
400+ data points in a digital scoring system to enrich models and cut approval time to seconds.
Region-specific signals
Local online services and market-specific insights enhance borrowers’ evaluation.
Why lenders choose RiskSeal
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 new markets by using a credit scoring tool to reach 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 400+ customer insights delivered in real time.
Industries we empower with real-time credit scoring
Online lending
RiskSeal helps online lenders go beyond traditional checks by using 400+ alternative data signals. Our credit risk rating software enables faster approvals, sharper risk assessment, and higher accuracy in spotting reliable borrowers.
BNPL
Our credit scoring software solution supports BNPL providers with real-time signals to assess creditworthiness and detect synthetic identities. This results in lower delinquency rates and stronger repayment.
Neobanks
RiskSeal’s digital credit scoring solution allows neobanks to evaluate applicants in seconds, flagging high-risk cases early and cutting onboarding costs. This way, more good customers can be approved without friction.
Banks
For traditional banks, RiskSeal enriches credit bureau reports with alternative data. By analyzing digital footprints, our credit scoring software reduces false approvals and increases portfolio resilience.
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 400 data points by analyzing more than 200 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?
