Alternative Credit
Scoring Using
Digital Footprints
We provide alternative data for credit scoring based on the user’s digital footprint. Get 400+ data points on each applicant and a ready-to-use Digital Credit Score.
Real-time digital footprint analysis across 140+ online platforms
RiskSeal conducts real-time email, phone number, and IP address lookups to search applicants’ digital footprints.
Our digital footprint search includes:
Social media and messengers
E-commerce platforms
Amazon
eBay
Walmart
Paid subscriptions
Netflix
Disney+
Spotify
Web resources
Apple
Zoho
Advanced identity verification checks with data enrichment
Premium services
Preference for premium products is a positive indicator in solvency assessment
Paid subscriptions
Regular use of paid subscriptions suggests disciplined financial behavior.
Professional services
Indicates user's employment status, years of experience, education, and job position.
Turning digital footprints into actionable Digital Scores
Through an API, RiskSeal provides hundreds of insights suitable for use in scoring models.
Types of customer insights we provide:
Behavioral data
Purchasing habits, gambling activity, social media use, and online interactions.
Financial stability indicators
Regular online subscription payments, travel activities, and e-commerce spending.
Device and location data
Devices’ geolocation and anomalies detection, such as logins from unusual locations or multiple accounts using the same device.
Professional network data
Employment status, education, career progress, and earning potential.
Build stronger scorecards using 400+ digital footprint insights
Benefits of digital footprint analysis
Credit decisioning
Use digital footprint data to increase approval rates by x2 and reduce defaultsby 15-25%.
Risk assessment
Leverage RiskSeal's Digital Credit Scoring solution, utilizing over 400 real-time data points to enhance credit scoring accuracy.
Identity verification
Collect user avatars, name spelling variants, and IP address data to incorporate face recognition, name matching,and location analysis.
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