Credit Decision Platform for Real-Time Risk Assessment
Harness 400+ alternative data signals for each applicant to power faster, fairer, and more accurate credit risk decisioning.
Benefits of using credit risk decisioning software
Increase approvals
Use our credit risk decisioning platform to approve up to 30% more loan 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
How credit decisioning software helps lenders with 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.
As a credit decision platform, it combines digital footprint data with AI analytics to deliver accurate 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 from credit decision software
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
Enhance your scorecards with alternative data through a credit decisioning platform for greater accuracy.
Obtain Digital Credit Scores
Gain over 400 unique customer insights and get a ready-to-use Digital Credit Score.
Industries using RiskSeal’s credit card decisioning solution
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 provide decisioning solutions for banks, helping them enrich models for more accurate credit evaluations and reduce defaults by up to 25%.
