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Sergel

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Partners

Sergel

Sergel Helps Bring in More Profitable Customers

Key Benefits

  • Fast and reliable credit scoring. With scoring from Sergel, you can feel secure when you provide credit to both companies and consumers. We provide seconds-quick answers so you can sell immediately.
  • Build profitable long-term customer relations. With Sergel, it is easy to determine who will be long-term profitable customers.

Sergel – From Purchase to Payment

Fully Automated.

  • Your existing systems are connected directly to Sergel.
  • The credit check can take place automatically when you add the customer.
  • Save time and start invoicing immediately.

Profitability in Focus.

  • Sergel focuses on the profitability of your customer relationship.
  • You can safely say yes to more within a risk level that suits you.
  • Our database is lightning fast – you can answers and can sell immediately.

Advanced Logic.

  • Advanced models developed by experienced analysts.
  • Sergel receives daily updated information from many sources.
  • Credit checks may be stored in accordance with legal requirements.

About Sergel

  • Services

    • Credit Decision
    • Credit Check
    • Credit Scoring
    • Business Credit Data
    • Consumer Credit Data
    • Debt Collection
    • Debt Purchase

  • Countries Supported

    • Sweden

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Bankflip

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Partners

Bankflip

Employment, Incomes and Debt Data Access in Real-Time

Key Benefits

  • Real-time and secured data capturing for your journeys. Makes it easy for your customers to grant you access to their private area of available Public Authorities to directly gather the documents and data required to apply for a loan, a mortgage, buy a car, get digitally onboarded in your banking app, or subscribe for an insurance. Get secured access to employment, incomes, debt/risk and other relevant data for one-time or recurrent use cases in a single flow.
  • Increase conversion while cutting your costs down. By adding our solution to your application/underwriting/subscription flows, you will get all the necessary documentation and data needed in just one step (making your conversion going up) and you will be able to directly use it within the Provenir solution to automate the whole process with no humans involved.

Frictionless Data Capturing and Processing

Bankflip is the tech solution to seamlessly collect employment, incomes, debt/risk, and other relevant data of your end-users to supercharge your products and solutions.

Bankflip services allow your company to collect user financial data on a permission basis. It has been designed with a special obsession on end-user experience (UX) and developer experience (DevX) to ensure the best possible usability and the easiest integration.

Supercharge onboarding for your banking app, underwriting for a loan or a mortgage, employment verification for your KYC, among other use cases with real-time, standardized and reliable data directly collected from the private area of Public Authorities.

Resources

About Bankflip

  • Services

    Dynamic login into the private area of Public Authorities (Tax Authority “AEAT”, Social Security “Seguridad Social”, Traffic Authority “DGT”, …) via Cl@ve and phone number registered

    Automatically collect all the documents you need in only one connection (cross-authority authentication)

    Verified by default: documents are collected directly from the source

    Documents converted into data (JSON)

    Manual documents uploaded are tagged, verified and converted into data

  • Countries Supported

    Spain

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Kueski Selects Provenir to Power its Aggressive Growth and Expansion Plans

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NEWS

Kueski Selects Provenir
to Power its Aggressive Growth and Expansion Plans

Provenir and Kueski partner to help eliminate financial exclusion in Latin America

Mexico City — June 13, 2022 — Provenir, a global leader in AI-powered risk decisioning software for the fintech industry, today announced that Kueski, one of the largest buy now, pay later (BNPL) and online consumer lenders in Latin America, selected Provenir’s AI-powered Risk Decisioning Platform to fuel its aggressive growth goals for its BNPL offering, KueskiPay.

Kueski’s mission is to make the financial lives of people in Mexico easier by expanding access to traditional financial products and services to millions of underserved, underbanked consumers. This requires fresh approaches in determining a consumer’s ability to pay, such as analyzing alternative data versus traditional credit checks. So far, Kueski has disbursed more than 6 million loans, totaling nearly $1 billion in accumulated disbursed capital. Its collaboration with Provenir will help the platform to continue to grow and consolidate itself as the leading BNPL solution in the LATAM region.

“Today we are using AI, machine learning, and big data, but knew that we needed a more robust, flexible, risk decisioning platform to support our growth and product expansion plans,” said Héctor Cuesta, Director of Product Management at Kueski. “Provenir’s AI-powered Risk Decisioning Platform provides access to more diverse data which will give us deeper insights so we can make the best decision for our customers. Provenir can also be implemented quickly, enabling us to realize these benefits and achieve our business goals.”

Provenir brings together the three essential components needed – data, AI, and decisioning – into one unified risk decisioning solution to help organizations provide world-class consumer experiences. This unique offering gives organizations the ability to power decisioning innovation across the full customer lifecycle, driving improvements in the customer experience, access to financial services, business agility, and more.

“Provenir and Kueski are both committed to using technology to help eliminate financial exclusion in the region,” said Jose Luis Vargas, Executive Vice President and General Manager of Provenir. “With our platform, Kueski can use champion/challenger testing strategies to deploy decisioning models optimized specifically for underserved individuals.”

This partnership will improve Kueski’s data analysis, allow for a deeper understanding of its customers, and further position Kueski as an innovative and disruptive financial services player. Provenir will support Kueski in strategic decision making, and be able to quickly identify, prioritize and execute any next steps, allowing Kueski to focus on its main mission of financial inclusion for all.

Ten Companies Using Alternative Data for the Greater Good

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Provenir Named a Gold Winner for AI Platforms in Juniper Research’s Future Digital Awards – Fintech & Payments

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NEWS

Provenir Named a Gold Winner
for AI Platforms in Juniper Research’s Future Digital Awards – Fintech & Payments

Company’s AI-Powered Decisioning Platform recognized in the “AI Platform” category

Parsippany, NJ — Oct. 11, 2022 — Provenir, a global leader in AI-powered risk decisioning software, today announced that its AI-Powered Decisioning Platform has been named a gold winner in the “AI Platform” category in Juniper Research’s Future Digital Awards – Fintech & Payments.

The Fintech & Payments awards program honors the very best technologies across the fintech, payments, fraud and security, banking and blockchain sectors. Since 2008, the Juniper Research Future Digital Awards have been awarded to technology companies at the forefront of their respective fields: companies that deliver imaginative, innovative products or services that have the potential to disrupt their ecosystems and provide significant benefits to their target audience. 

Provenir’s industry-leading AI-Powered Decisioning Platform empowers fintechs and financial services organizations to unlock the true value of data, combining universal data access with simplified AI and automated, real-time decisioning. With data and AI more accessible and usable than before, financial institutions can automate complex decisions that drive world class customer experiences, addressing identify, credit and fraud for quicker onboarding and serving.

According to a recent study, AI-enabled risk decisioning is seen as key to usher in improvements in many areas, including fraud prevention (78%), automating decisions across the credit lifecycle (58%), improving cost savings and efficiency (57%), more competitive pricing (51%) and improving accuracy of credit risk profiles (47%). The study also revealed that 55% percent of respondents who plan to invest in an automated credit risk decisioning system consider AI to be one of the most important features.

“Provenir is honored to be named a gold winner for AI Platforms in Juniper Research’s Future Digital Awards and to be among a prestigious group of innovative technology award winners advancing the fintech and payments sector,” said Kathy Stares, Executive Vice President Americas at Provenir. “Provenir’s AI-Powered Decisioning Platform delivers a comprehensive real-time view of decisioning performance, easy access to third-party and historical data, as well as automated and auto-optimized AI, enabling organizations to deliver intelligent decisioning needed to grow their business.”

The Ultimate Guide to Decision Engines

What is a decision engine and how does it help your business processes?

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On-Demand: How Consumer Lenders Can Reduce Friction Without Compromising on Risk and Fraud Prevention

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ON-DEMAND WEBINAR

How Consumer Lenders Can Reduce Friction
Without Compromising on Risk and Fraud Prevention

Book a Meeting

Customer experience is incredibly important to today’s discerning consumers, whether they are looking for financial services or any other product. Reducing friction at onboarding and across the entire customer journey is critical for consumer lenders – but how can you do that without compromising your risk strategy or increasing your risk of fraud? Watch on-demand now, and hear from our panel of experts who share insights and best practices for reducing friction, so you can effectively balance risk with opportunity – and grow your business.

Key highlights include:

  • How advanced risk decisioning solutions can more effectively enable end-to-end account management
  • Why orchestrating and integrating the right data, including alternative data, is key to making more accurate decisions across the lifecycle
  • How a decision intelligence platfrom, including AI/ML, can help mitigate losses, improve fraud decisioning, and maximize portfolio performance
  • Ways to ensure frictionless, end-to-end onboarding experiences with expedited case handling for manual exceptions
  • Why dynamic, proactive customer management is key to maximizing customer value and optimizing engagement

Speakers:

  • Rob Seidman

    US Bank Chief Product Officer

  • Adam Goller

    Cross River Bank

  • John Lynch

    Avant

  • Michael Fife

    Provenir

  • Peter Renton

    Fintech Nexus

RESOURCES

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Maximizing AI/ML for Fraud and Risk Mitigation

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Blog

Maximizing AI/ML
for Fraud and Risk Mitigation

  • Jason Abbott, Senior Product Manager, Fraud Solutions
  • May 6, 2024

How to Harness Artificial Intelligence and Machine Learning for Comprehensive Fraud Protection

The battle against fraud and risk in financial institutions is complex, and it’s always changing. And fraud doesn’t start and end with the onboarding of applicants – it’s a continuous challenge that demands evolving strategies. This is why it’s critical to look at risk decisioning solutions, including artificial intelligence and machine learning, that can access real-time data across the journey – tackling fraud screening not just at the application stage, but throughout the entire customer lifecycle.

Real-time data for real-time decision making

Artificial intelligence and machine learning (AI/ML) play a pivotal role in detecting and preventing fraudulent activities. With financial fraud methods becoming more and more sophisticated, one key way to stay ahead of fraudsters is accessing real-time data, integrating it into your risk decisioning solutions, and automating the use of that data with AI/ML. In this way, you can react swiftly (and accurately) to ever-evolving fraud threats. 

But it’s critical to balance fraud mitigation with the customer experience. While admittedly powerful technology, AI/ML requires more than just advanced algorithms and risk models – it needs a comprehensive understanding of the overall decisioning operations, customer experience, and the regulatory and compliance landscape of financial services organizations in the regions you operate. An effective fraud decisioning model needs to not only intercept fraudsters, but it needs to be sure that it doesn’t introduce more friction for legitimate customers. Tightening the net on fraudsters isn’t the most optimal answer – we need to ensure that embedded intelligence is working efficiently to keep out the bad actors while still extending the right products and offers to a growing number of creditworthy customers.

Intelligent use of data throughout the customer journey

A common challenge that financial institutions face is the underutilization of valuable customer data that gets collected during the application process. Rather than discarding this data, it should be integrated into ongoing monitoring programs and used to enhance risk mitigation strategies, especially during high-risk events. For example, take the case of mule account detection, where initial application data contains the right indicators that help approve an applicant. But with ongoing monitoring as new data becomes available, financial institutions could intervene later if new suspicious activity is tracked. With a set-it-and-forget-it mindset and the lack of ongoing monitoring, fraudsters can more easily slip through the cracks. As fraud methods become more evolved, the risk models needed to prevent fraud need to evolve as well. Many times, actors with ill-intent will use legitimate credentials to gain access to products and services and then pull a bait-and-switch when onboarded. Without the use of ongoing monitoring and the continuous intelligent, optimized use of risk data across the journey, these sorts of situations become difficult to catch until it’s too late. 

This is why adapting quickly to new threats is so critical. Flexibility and responsiveness are key things to look for in a fraud/risk decisioning solution, because with the adaptability to add new data sources, optimize risk models based on intelligence, and change decisioning processes easily, you are able to respond to threats more effectively. AI/ML models act like the central nervous system of a modern sports car, where every component must communicate and function in unison to effectively respond to changing conditions – in the case of a car it’s road conditions, weather conditions, engine temperature, etc. In the case of fraud mitigation, you need to ensure that you can adapt quickly without being bogged down by manual processes or IT backlogs to make changes.

Efficient data integration

Not all financial institutions have the ability to integrate extensive datasets into a smart, unified model or data lake. Whether it’s technical restrictions, resource issues, IT backlogs, or the challenges of merging disparate systems, there are many factors that can hinder efficient data integration. What’s needed is an effective fraud orchestration layer, combined with low-code or no-code capabilities, allowing you to adapt and innovate as quickly as threats do, giving you a significant competitive advantage (and again, helping to maintain a positive customer experience with limited friction). 

So what are the key things to consider when it comes to enhancing your fraud mitigation strategy by harnessing AI/ML? Think of the following:

    • Does your AI/ML model for application fraud provide reliable scoring and clear explainability?

    • Can you integrate fraud-rich data into your application fraud infrastructure?

    • How easily can you integrate new data sources in response to emerging fraud trends?

    • Are you able to leverage available data to address potential post-application fraud?

    With cutting-edge technology designed to empower financial institutions to not only respond to threats in real time, but also anticipate them before they can cause harm, decisioning technology that incorporates robust AI/ML solutions will ensure your organization (and your customers) remain secure and satisfied.

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    Rzolut

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    Partners

    Rzolut

    Leader in Global Risk & Compliance Datasets

    Key Benefits

    • Tailored Risk and Compliance Solutions. Risk and compliance proprietary data provider.  Building and maintaining critical screening watchlists for the industry, driven by deep expertise in the Financial Crimes Compliance (FCC) space.
    • AI-powered Datasets and Adverse Media Screening. Comprehensive, watchlist datasets and adverse media, collated using proprietary, gold-standard name matching logic and maintained using AI-powered technology designed to cover all diligence and risk management use cases. It is built for easy integration with packaged software and customers’ internal platforms alike..

    “RZOLUT’s services offer invaluable insights, guiding our strategies effectively with thoroughness, accuracy, and confidence, benefiting our investments. Highly recommended.”

    PARTNER, LEADING PRIVATE EQUITY FIRM

    Simplify Compliance, Amplify Success

    AdviceRobo mission is to responsibly promote financial inclusion for the next generation, globally. Younger generations possess unique attributes such as digital fluency, strong entrepreneurial spirit, and a commitment to sustainability, often overlooked by traditional financial methods. To bridge this gap, we’ve crafted an advanced data collection tool tailored for next-gen traits and behaviors.

    This tool serves as the foundation for our sophisticated analytical solutions, integrating cutting-edge AI, all while upholding ethical standards and respecting privacy within the regulatory framework. Our solutions empower you to exercise greater control with automated customer data enrichment and seamless data automation through our automatic data pipelines. We also offer innovative modeling and scorecards, in addition to assisting your team in developing customized scorecards. By embracing these solutions, you can embrace the future of financial inclusion and cater to the unique needs of the next generation.

    About Rzolut

    • Services

      PEP Bridge: Our dataset profiles Politically Exposed Persons (PEPs), individuals in key public roles susceptible to corruption or financial crimes. It provides comprehensive information including names, positions, affiliations, and connections.

      Sanctions Bridge: Our dataset is a comprehensive compilation of sanctions imposed by governments or international organizations against individuals, entities, or countries.

      Watchlists: Our dataset is a structured repository of information about individuals, entities, or transactions flagged for monitoring due to potential risks or suspicious activities.

      Adverse Media: Our dataset aggregates information from various sources, including media outlets and public records, documenting negative events or controversies involving individuals, entities, or organizations.

    • Regions Supported

      • Global

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    Successful Digital Transformation in Financial Services

    Written by on . Posted in Blog.

    Q&A with Industry Experts

    Successful Digital Transformation
    in Financial Services

    • 01

      Digital transformation is critical for financial services organizations who want to thrive in our increasingly digital age. As consumers demand more and more from their financial services interactions, those organizations that don’t evolve will be left behind. But what are the keys to a successful journey?

      We recently hosted a webinar focusing on the intricacies of this transformative process, looking at key challenges and guidance for financial institutions looking towards a digitally empowered future. And from that discussion, a number of insightful audience questions were addressed – so we wanted to share some of them here with you!

    • 02

      With digital transformation came digital banking which made life easy for both consumers and would-be thieves. How can we mitigate the increasing hacking risks associated with digital  banking, from both the customer side and the bank side?

      Digitalization is increasing – and yes, so is fraud. This is where client authentication becomes so important, and truly understanding and knowing your customer is key. Device authentication for example can be critical, as well as collecting the required data to be sure we are understanding our customers without impacting the customer journey. That level of discipline needs to sit with the financial institution, without necessarily being seen or experienced by the customer. Identity theft is quite prevalent, especially in certain regions like the Nordics, so it’s critical to balance the need and desire to have strong fraud and identity management in place, without adding friction to the process for your consumers.

    • 03

      How is generative AI impacting decisioning?

      There is a potential for a large impact on decisioning with the use of generative AI tools. We’re in the early adoption stages, because from a regulatory and compliance standpoint, there is a nervousness about using these tools to push businesses forward. Institutions are risk averse, cautious, and measured in the terms of the policies they implement. Corporate governances are challenges for many banks, particularly when dealing with a variety of regional regulations. In part, it comes down to explainability. While AI tools can certainly help from a risk decisioning standpoint, and should be fully explainable in that regard, there is not enough known about the control and regulation of generative AI tools to ensure that data is being used and stored properly. Ultimately, we’re early on in this journey and they will play a fundamental role in our industry over the next few years.

    • 04

      What is the importance of being able to adjust business lending and fraud rules quickly given the rate of change in the macro-economic landscape, customer behavior and MO of fraudsters? Why are organizations, particularly in the financial services industry, struggling to keep up with these rates of change?

      Often, organizations struggle to keep up with the rate of change due to the technology infrastructure in place. Being able to make changes quickly to respond to market demands and evolving threats is key to not only accurate fraud prevention, but also simply ensuring that you’re meeting the needs of your customers. If you have to wait six weeks for sign-off on a policy change, and then wait additional time for a vendor or your IT team to make iterations in your decisioning processes, you’ve left your organization susceptible. Having self-sufficiency in times like these is critical – being able to use advanced analytics to optimize decisioning strategy, quickly, and then make those changes just as quickly is key. But you need the right technology in place to support that flexibility and agility.

    • 05

      When the bank is undergoing a full digital transformation, many projects and developments are done at the same time with limited resources. What does management need to pay attention to when making decisions on priorities?

      The first step is making sure that all projects have been categorized and prioritized with the entire group, and that those priorities are aligned with the overall group/organizational strategy. Alignment is key. It is very difficult to have competing projects fighting for resources (time, money, human) and this is a common challenge among financial services institutions. Allowing for a level of flexibility and adaptability is crucial – often what helps is reevaluating priorities at set intervals, every quarter for example. The largest priorities may not change often, but the smaller, more nimble priorities can (and often do), and your project management structure should be flexible enough to accommodate that.

    • 06

      Given the increasing flow of information, number of processors and variety of processors within the competitive landscape, what is the importance of increasing the number of data connections to enhance decisions towards better business outcomes?

      Increasing data connections can be helpful, but it’s worthwhile to note that we don’t want to connect to so many that it’s overwhelming. It’s not just about more data, it’s about the right data at the right time, in order to see the real value of those data sources. Getting the right level of customer data that you need to adequately support your decisioning processes is crucial. Having a broader spectrum of data available, in terms of types of data sources and variety, as well as quality, is more important than just continually adding new data sources that won’t provide any additional value to the view of your customers (and may in fact add more friction to the journey). Data sources that allow for a strong level of automation in your decisioning processes will also be more valuable than those that require manual intervention or human oversight (which add complexity and slow down the process).

    • 07

      Will the current path of digital transformation that banks are on (locally and globally) lead to more financial stability or more future crisis scenarios (like Silicon Valley Bank)?

      Financial stability is important – we weathered this during the financial crisis in 2008, and there are continual efforts to combat any instability. One of the things that led to that instability is the fracturing of the value chain. When you have new players who are so specialized and who don’t see the whole banking picture, there are inherent risks. On the other hand, when you have large incumbents who do everything in-house, they see the whole picture, but they can often be very rigid and slow to move or make changes, which has different risks and implications on financial stability.

    Balance risk with opportunity across the customer lifecycle.

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    RiskSeal

    Written by on . Posted in Partners. No Comments on RiskSeal

    Partners

    RiskSeal

    Smart Credit Decisions Through Digital Footprints

    Key Benefits

    • Approval Rate Increase. RiskSeal identifies creditworthy borrowers who have no prior credit history. We help fintech companies expand into emerging markets, increasing approval rates by up to 50%.
    • Default Prevention in the Early Stage. RiskSeal reduces default rates by up to 25% by providing actionable insights derived from over 140 social and digital platforms, utilizing more than 300 data points per applicant.

    “RiskSeal provides a detailed profile for each applicant, covering their social media and online activities. They also return a very accurate Digital Credit Score. This helps us make informed decisions. Our approval rates increaed by 2x, with a 17% reduction in default rates and a 26% reduction in KYC spending.”

    TYMUR BUGAEVSKIY, HEAD OF DATA SCIENCE AT ONCREDIT

    Credit Scoring and Risk Assessment Through Digital Footprints

    Tailored financial solution. RiskSeal is an exclusive digital credit scoring solution tailored specifically for the financial industry.

    Scoring and decision system. Our solution goes beyond simple data enrichment – it’s a complete user scoring and decision-making system.

    In-depth digital profile analysis. Using just a user email, phone number, and IP address data, RiskSeal analyzes a customer’s digital footprint and provides their detailed digital profile.

    About RiskSeal

    • Services

      • Alternative Data for Credit Scoring
      • Digital Credit Scoring
      • Digital Footprint Analysis
      • Face Recognition
      • Name Intelligence
      • Geolocation Insights

    • Regions Supported

      • Global

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