Connecting the Dts to Make Better Decisions

These Are Our Products

Dot Crawl

Dot Crawl uses proprietary automated web-crawling technology to acquire and aggregate consumer profile and online transaction data under borrower’s authorization.
Based on data gathered from multiple online sources including mobile, Dot Crawl generates a report which identifies loan applicants’ risks through information cross-verification, and analysis of social networks and online behavior.
View Report

3D Press

3D Press creates a unique global ID for each computing device and in combination with our powerful rule engine, accurately analyzes the behaviour of all users on a device and determines the relationships between multiple users to produce a device-based user profile.
3D Press can track users' activities including but not limited to information on app usage and device location which can be used to flag potentially risky behaviour –e.g. identifying ‘credit shoppers’ who frequently submit multiple loan applications on different lending platforms.

HAIQ Test

Honest Assessing Intelligent Questionnaire rely on interpretation, not facts, and require a large number of questions which are both tedious fo small-scale borrowers to answer, and can produce misleading extrapolations to assessments of borrower honesty and creditworthiness Our unique AI-based and machine learning equipped HAIQ Test engine employs a deep knowledge base to generate questions directly pertinent to information supplied by the loan applicant. Successful completion of the questionnaire requires applicants to promptly answer questions which have proven effective in helping lenders verify information related to important fraud detection variables including borrower identity, location, and employment.
The Problem We Are Solving
1

Fraud Detection

2

Credit Shopper

3

Risk Modeling

Filling the consumer credit bureau void

  • Traditional credit bureaus cover less than 20% of the ASEAN population …
  • … and most of their databases contain incomplete information
  • Lenders need multiple information sources to make intelligent credit decisions

Efficient data acquisition, enrichment and cross-validation

  • Borrower verification in many ASEAN countries is done using phone calls and third-party investigators
  • This can take up to three days to complete
  • This conventional process is too slow and too costly to be applied to small-scale loans
Loan Risk Management
Advantages

  • Stability

    24 x 7 real-time automated website
    inspection ensures system stability

  • Breadth

    With user permissioned access, we crawl multiple websites for data including those of internet service providers, e-retailers, housing funds,social insurance, and private insurance companies

  • AI-based

    Information given by applicants is cross-verified by AI-driven pop-up questions which must be answered before expiry of on-screen timer

  • Speed

    Our multi-channel ‘Data Fetch’ system provides quick access to information. Batch processed user reports are generated in 3-5 minutes.

  • Depth

    Multi-dimension data mining gathers the most relevant user information available