Fast origination
A genuine PAN, Aadhaar match and clean device can move through a thin-file flow in minutes.
Find the loss before the first EMI.
Score small-ticket unsecured applications at origination, then prove the result against first-payment default on your own book.
First-payment default is a late identity signal.
By the time the first instalment fails, the application, disbursal and collection costs are already booked.
Rented control
The named borrower may have supplied documents while another operator controls the device and payout path.
Immediate loss
The first missed EMI becomes the first strong label, after funds have left the lender.
Repeated infrastructure
The same operator moves to a fresh identity while addresses, beneficiaries or devices begin to recur.
₹36,014 crore
Amount involved in banking-sector frauds reported during the year
RBI Annual Report 2024-25, FY 2024-25
A lender should measure this control against prevented first-payment default, not against an abstract model score.
Start with the application decision.
Personhood Score can run alone. Cluster Intelligence becomes more valuable as recent application history is connected.
Personhood Score
Start
Route coherent thin-file borrowers to step-up checks and contradictory applicants to review before disbursal.
Cluster Intelligence
Add with history
Connect repeated application infrastructure and investigate the full farmed ring.
Sleeper Watch
Lifecycle monitoring
Re-score accounts that build a short history before a larger top-up or second product.
Use first-payment default as the outcome label.
We score 12 months of historical applications, rank the top review band and compare it with first-payment default and confirmed fraud. The precision curve shows what your team could have reviewed inside its actual capacity.
The control belongs in origination policy.
The output is evidence for the lender's own policy engine. It does not outsource credit judgment or alter the lender's obligations under digital lending and KYC directions.
Run the NBFCs and digital lenders backtest.
The first output is a ranked historical file and a precision curve at your available review capacity. No production integration is required.
Book a backtest