The Datatech helps financial institutions unlock telco and digital behavioral signals, turning them into scores, risk indicators and decision-ready data — to automate approval, expand your customer base, and grow more safely.
Many credit decisions are still constrained by thin credit files, lagging data and manual underwriting. This forces financial institutions to choose between two suboptimal options: rejecting potential customers, or approving them without sufficient risk signal.
Not enough data to score, even when service usage behavior is stable.
Doesn't reflect SIM changes, device changes, top-up behavior or reachability in time.
Longer approval times, higher operating cost, and a broken digital experience.
Hard to separate the "grey zone" segment, and hard to personalize limits, pricing or engagement strategy.
Generate additional signal for fast decisions on new customers and thin files.
Pre-screening · BNPL · Micro-lending · Auto-limit · Thin-file/No-file
Learn moreUnderstand risk more deeply to personalize policy and respond earlier.
Risk-based pricing · Income proxy · Fraud signals · Early warning · Limit review
Learn moreAllocate resources and business opportunities to the right customer segments.
Portfolio segmentation · Pre-qualified leads · Cross-sell · Room allocation · Collection
Learn moreThe end user confirms consent through an approved flow.
The financial institution or partner sends a request via API/Partner Portal.
The platform authenticates the request, selects the use case, and orchestrates the right data sources.
Signals are normalized and computed into features, score, risk level, confidence and reason codes.
Results are returned to the client's system to approve, review, reject, price, or trigger a workflow.
One integration point. Many data sources. Many business decisions.
How well identity matches, subscriber status, and ownership authenticity.
Subscriber tenure, continuity of service, and lifecycle volatility.
Top-up and bill payment discipline, regularity, and recency.
How genuine, continuous and stable usage behavior is.
Device and SIM stability, and changes that may signal fraud.
Indirect signals of affordability and spending level.
A layer of risk flags, penalties or overrides for anomalous cases.
Fewer manual checks, with scores embedded directly in the digital flow.
Evaluate more thin-file/no-file customers and grey-zone profiles.
Adjust limits, rates, conditions and workflow based on risk.
Catch fraud signals, declining stability, or loss of reachability early.
Allocate room, prioritize campaigns and collection resources based on data.
The Datatech provides scores, risk indicators and reason codes so your bank or finance company can incorporate them into your existing policy, model, or workflow.
View solutions for financial institutionsUse The Datatech's API, Partner Portal, packaged use cases and presales support to serve your financial-services customers.
Become a partnerThe platform applies consent-based processing, data minimization, encryption, access control, audit logging, and per-use-case handling. Financial institutions receive standardized outputs instead of raw, sensitive data.
Requires valid consent before any lookup.
Data encrypted in transit and at rest.
API keys, IP whitelisting, role-based access.
Tracks version, coverage and drift.
Choose the use case, customer segment, decision point and KPI.
Pilot briefAlign on input, consent, sandbox, API and mapping.
Integration planRun on a data sample or controlled traffic.
Score & analysis reportMeasure coverage, lift, approval, bad rate, fraud, or the relevant KPI.
Pilot reportFinalize policy, SLA, pricing and the production plan.
Go-live plan