Unlock Advanced Credit Decisioning with Digital Footprint Analysis
Obtain 400+ real-time actionable insights for precise and quick credit decisions.
Benefits of smart credit decision making
Increase approvals
Understand your customers and approve up to 30% more applications.
Unlock hidden opportunities
Identify invisible primes among the unbanked population, with a 98% success rate.
Optimize your scoring models
Enrich your models with 400+ real-time alternative data points to make more informed decisions.
Make smart credit decisions with real-time insights
Enhance credit risk decisioning through digital footprint analysis
RiskSeal’s Digital Credit Scoring solution leverages hundreds of real-time data points to enhance credit scoring models by analyzing the digital footprint of each applicant.
By combining digital footprint data with AI analytics, we provide a powerful tool for digital identity verification and solvency assessment.
Registration data
Discover if the applicant’s email or phone number is registered across more than 200 digital and social platforms.
Paid subscriptions
Assess whether the applicant maintains online subscriptions, indicating their basic financial discipline and responsibility.
Email & phone number link
Determine if the email and phone number pair is interconnected and actively used across various platforms.
Identity verification
Collect on average six name mentions and four photos per profile to cross-check the applicant's information during onboarding.
Digital Credit Score
Assess the applicant’s solvency and credential trustworthiness using a reference metric based on 400+ real-time digital signals.
Custom features
Extract and create custom features for your scoring models to achieve the highest uplift, with no limits.
What Lenders Can Expect
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.
Optimize your credit decision-making process
Streamline your operations by processing large volumes of loan applications swiftly and minimizing the need for manual underwriting.
Make your credit decisions more accurate
Enrich your scorecards with alternative data to achieve greater accuracy in your decision-making process.
Obtain Digital Credit Scores
Gain over 400 unique customer insights and get a ready-to-use Digital Credit Score.
Industries RiskSeal serves to enhance credit decisioning
Online lending
RiskSeal utilizes digital footprint analysis, incorporating over 400 data points. This approach reduces default rates by up to 25% and enhances approval rates.
BNPL
With RiskSeal, BNPL providers get over 400 alternative data insights to combat synthetic fraud and fake accounts, reducing non-payment rates and growing the customer base.
Neobanks
Our solution provides neobanks with real-time creditworthiness assessments, leading to increased approval rates by up to 30% and reduced KYC costs by up to 70%.
Banks
We support banks with advanced data analytics, enriching data for more accurate credit evaluations and decreasing the likelihood of defaults by up to 25%.
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