Credit underwriting

Predictive Credit Risk for New-to-Credit Customers

Data insufficiency

For a thin-file customer, traditional data like credit bureau reports and repayment histories are unavailable

Inaccurate cash flow validation

The fixed obligation to income ratio (FOIR) is difficult to calculate if there's a tendency to withdraw cash for making expenses.

Risk of new credit users

There's not enough data to validate a borrower's intent and willingness to pay based on their bank statements

How Sense generates alternate
risk score for underwriting

Detections from device

Zero trust authentication where the event is checked for developer
mode enabled, wifi connectivity, anomalies in user device activity

Geo-location tracking

Verify borrower residency with the address from the KYC document and
analyse the user's mobility and movement patterns

AI risk scoring

Generate dynamic risk scores that automatically trigger appropriate
responses based on the level of risk

Behavioural biometrics

Borrower behaviour profiling and additional user authentication that are
based on typing speed, gestures and keystroke patterns

Don't wait for
your first breach