Improve Scorecards Predictive Power
and Automate Decision-Making with Alternative Data

RiskSeal provides digital footprint analysis for banks, delivering over 300 data points from emails, phone numbers, and IP lookups to streamline operational efficiency.

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Key benefits of Digital Footprint
Analysis for banks

Enhance the quality of your credit portfolio

Reduce your default rate by up to 25%, all while simultaneously doubling your approval rate and streamlining loan disbursement.

Reduce operating costs

Streamline your loan origination process by automating key tasks and cutting operational expenses. Get a ready Digital Credit Score in 5 seconds.

Effectively verify your applicants

Simplify identity verification with advanced technologies - Face recognition, Name match intelligence, and Location insights analysis.

Boost your credit portfolio quality with Digital Footprint Analysis

Complete your traditional data with
digital footprint insights

Enhancing credit scorecards
with 300+ digital insights

RiskSeal enhances bank scorecards with over 300 alternative data points drawn from digital footprint analysis. Our data reduces the gray area, providing clarity where traditional methods fall short. RiskSeal automates decision-making with a ready-to-use Digital Credit Score.

Digital footprint insights

Get 300+ alternative data insights to strengthen your decision-making process.

Predictive power increase

Boost your scorecards’ predictive power with an AUC score of 83%, improving the reliability of your credit decisions.

Risk management

Assess account risks using alternative data. Achieve x2 increase in approval rates while reducing default rates by up to 25%.

Identity verification

Unlock advanced identity verification techniques, such as Face recognition, Name matching, and Location insights.

Custom features

Gain access to 300+ explainable data points to develop customized features that align with unique market demands, optimizing model performance.

360-degree user view

Create a comprehensive user profile by integrating digital credit scores, trust scores, and a range of behavioral and solvency metrics.

Results banks achieve with RiskSeal

Approved customer base growth

Identification of trustworthy customers from high-risk ones, even with low or no credit rating.

Differentiate risk with data analysis
Identify creditworthy clients with minimal history

Proactive default prevention

Stop defaulting loans before they happen and avoid the cost of debt collection, or loss from no repayment.

Predict defaults with advanced analytics
Enhance risk profiling with behavioral data

Credit risk reduction

Real-time, accurate, and extensive data to spot default risk, even in underbanked areas or without access to a credit bureau.

Utilize diverse data for risk insight
Advanced algorithms for underserved market assessment

Credit decision quality

Leverage over 300 real-time data points and strengthen your scorecards for smarter lending decisions.

Double your loan approvals
Reduce defaults by 25%

Customer experience

Accelerate your loan origination process and deliver a faster, more efficient service.

Fully automate clients’ assessment process
Cut down the costs of application processing

Financial inclusion

Tap into the unbanked population and uncovernew lending opportunities.

Implement advanced identity verification techniques
Access insights on 5.5 billion potential borrowers

FAQ

What data does RiskSeal provide to banks through digital footprint analysis?

RiskSeal analyzes applicants across 140+ platforms, including social media, e-commerce sites, professional services, messaging apps, gambling websites, and more.

By evaluating online behavior, financial habits, and digital presence, RiskSeal helps banks assess credit risk and detect potential fraud. 

This data provides deeper insights into solvency, spending patterns, and potential risk factors, enabling more informed credit decisions.

What additional checks does RiskSeal offer to enhance banks' credit decision-making?

RiskSeal provides advanced identity verification tools to improve credit decisioning accuracy. These include face recognition technology, name match intelligence, and location insights analysis. 

By leveraging these checks, banks can confidently verify applicants’ identities and detect inconsistencies, further reducing fraud risk and improving decision quality.

How does RiskSeal enhance banking decisions with its Digital Credit Score?

RiskSeal Digital Credit Scoring system offers banks a predictive assessment of a customer’s likelihood to repay, based on their digital footprint. 

By analyzing social profiles, professional and educational backgrounds, and lifestyle habits, RiskSeal helps banks identify high-risk applicants early, reducing dependence on traditional KYC and credit bureau checks.

Additionally, the Digital Credit Score strengthens banks’ Machine Learning models, enhancing the accuracy of credit scorecards and improving decision quality.

How quickly can RiskSeal process transactions for banks?

RiskSeal processes transactions in real-time, completing comprehensive checks in as little as 5 seconds, depending on the complexity of the data. 

How RiskSeal can improve the default ratio?
RiskSeal Digital Credit Score takes user identifiers (such as email, phone, and IP). It analyzes various digital and social signals in real-time to produce a reliable score that helps in assessing customers in the absence of credit history.
How does the integration with RiskSeal look like?
It’s a single API Endpoint where you send us the data and get an instant response. We support both synchronous and asynchronous integration, depending on the user flow. We require no embedded SDK or any other piece of software that should run on the device.
Can you provide examples of the digital and social footprint RiskSeal provides?
RiskSeal seamlessly verifies user identifiers across 50+ digital and social platforms to pull information about online reputation, digital presence, and financial behavior. The average profile created with RiskSeal includes name info, email age, email deliverability, registration information across 50+ platforms, whether email and phone number are connected and belong to the same person, and more.
Does RiskSeal flag bad customers across the region?
Yes, our clients benefit from network effects across our active regions.

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