Advanced Risk & Pricing

See deeper into risk to price accurately and respond earlier.

The Datatech adds continuous behavioral signals to your risk management model, helping you segment customers, estimate affordability, personalize rates/limits, and detect abnormal changes after disbursement.

For risk-based pricing, affordability, fraud monitoring, limit review and early warning.

Modules

Five modules for risk management and pricing

Affordability & Income Proxy

Estimates affordability indirectly from payment behavior, top-ups, ARPU, balance and device.

Affordability score · Income band · Confidence

Risk-Based Pricing

Tiers risk to support rates, fees, limits and terms.

Risk band · Pricing signal · Limit recommendation

Fraud & Anomaly Monitoring

Detects SIM/device/location/behavior anomalies in sensitive transactions.

Fraud level · Flags · Step-up recommendation

Early Warning

Detects declining stability or reachability after disbursement.

Warning level · Trigger · Monitoring list

Limit Review

Evaluates limit increases/decreases based on new behavior.

Limit uplift/downsell signal · Review priority

Data model

An additional layer, not a replacement system

Behavioral data should be combined with CIC, transaction data, declared income, collateral and internal policy. The Datatech platform adds a continuous, real-time signal layer to improve risk separation or reduce uncertainty where data is missing.

Data layer	Role
CIC/Credit Bureau	Official credit obligation history and repayment behavior.
Financial institution's internal data	Transactions, balances, product history and customer relationship.
The Datatech behavioral data	Subscriber stability, payment, usage, device, fraud signals and affordability proxy.
Policy & Decision Engine	Combines all data layers to produce the final decision.

Pricing use cases

Concrete applications in risk policy

Interest rates by risk tier instead of one flat rate for the whole segment.
Initial and incremental limits based on affordability and stability.
Request additional documents or step-up verification for medium-risk segments.
Discounts/offers for customers with stable behavior and high coverage.
Re-monitor when SIM, device, or behavior changes after disbursement.

Suggested Pilot KPIs

KPIs by risk use case

Use case	Primary KPIs
Risk-Based Pricing	Margin by band, NPL by band, conversion, take-up rate, risk-adjusted return.
Income Proxy	Correlation with verified income, band error, approval lift, limit accuracy.
Fraud Monitoring	Fraud capture, false positive, loss avoided, step-up rate.
Early Warning	Recall against DPD, warning lead time, contact rate, cure rate.
Limit Review	Utilization, delinquency after uplift, incremental revenue, downgrade precision.