Clients

Clients are your loan applicants whose mobile device data you send to us using our SDK. The data is fully anonymized, and you only need to provide a reference ID to link the results of our analysis to the clients in your own systems.

Loan Repayment Data

Loan repayment data is crucial for generating a comprehensive and predictive analysis of a client's creditworthiness. This data includes details such as payment amounts, due dates, payment frequency, and any instances of missed or late payments. By integrating loan repayment behavior with mobile device data, we can create a more accurate and robust credit risk model.

This combined data allows us to identify patterns and trends that are indicative of a client's likelihood to repay future loans. For instance, consistent on-time payments may improve a client's credit score, while frequent late payments could signal higher risk.

Submitting loan repayment data requires the clientID provided by our SDK or your reference ID. It is essential that we have already received mobile device data associated with the clientID or reference ID before collecting repayment data. This ensures that we can correlate the two data sets effectively, leading to more reliable and insightful credit risk assessments.

The inclusion of loan repayment data enhances the precision of our predictive models, enabling lenders to make more informed and confident lending decisions. However, this information is only necessary if you choose to utilize our predictive model.

The loan repayment data collection API requires the clientID provided by the SDK or your own reference ID after the data collection process. We must have received at least one set of mobile device data associated with the clientID or reference ID before repayment data can be collected for that client.

Digital Credit Scoring

Data collected from the SDK for a client is aggregated and evaluated using a credit scale. This scale represents the client's credit score based solely on insights from their phone data. It is not predictive, as it does not include repayment behavior. This initial score provides a quick insight into the client's credit risk level before a more detailed and predictive analysis is performed using both the mobile data and repayment behavior data.