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.
Client success stories
See how RiskSeal’s unique data sources generate pure Gini uplift, even in emerging markets. Real numbers. Real before/after performance.
.webp)
.webp)
.webp)
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%.
FAQ
What is credit decisioning?
Credit decisioning is the process of deciding whether to approve a loan. It covers approvals, declines, and setting credit limits.
Lenders need it to manage risk at scale. Every application needs a fast, consistent decision.
Without it, risk teams face slow, manual reviews. That slows growth and increases inconsistency across decisions.
What is credit decisioning software?
Credit decisioning software automates the loan approval process. It replaces manual underwriting with fast, rule-based, or model-driven decisions.
This means applications get processed in seconds, not hours. Risk teams no longer need to review every file by hand, as it used to be decades ago.
Automated decisioning scales easily. It also keeps decisions more consistent across large application volumes.
How does a credit decisioning platform work?
The process starts with data collection. The platform gathers application details and supporting data points for each applicant.
Next comes risk analysis. The system evaluates signals tied to solvency, identity, and behavior.
Scoring follows, turning that analysis into a usable risk metric. The platform then applies decision rules to approve, decline, or set limits automatically.
What data is used in credit risk decisioning?
Credit bureau data remains a core input for most lenders. Application data, like income and loan purpose, adds further context.
Alternative data fills gaps for thin-file applicants. This includes digital footprint signals, registration data, and subscription history.
Behavioral signals, like how consistently someone uses linked accounts, add another layer. Together, these sources build a fuller risk picture.
Can RiskSeal support real-time credit decisions?
Yes. RiskSeal delivers decisions in under 5 seconds per applicant.
It draws on 450+ real-time alternative data signals per person. These cover registration data, subscriptions, and identity verification details.
This speed removes manual bottlenecks from the process. Lenders get instant, data-backed answers instead of waiting on review.
Is RiskSeal a credit scoring or credit decisioning solution?
Credit scoring measures risk. Credit decisioning turns that score into an action, like approve or decline.
RiskSeal plays a role in both. Its Digital Credit Score gives lenders a ready-to-use risk metric built on 450+ data points.
RiskSeal can enrich an existing scoring engine as a data layer. It can also run as a stand-alone infrastructure tool for full credit risk assessment.
