Identity and Mobile Behavior
Data-centric solutions that leverage digital infrastructure to improve real-world business processes and decision making
What do we do in Identity and Mobile behavior?
We work with user data managed by mobile operators and financial institutions to generate mobile identity solutions that solve different problems in various industries. For 20 years we have worked hand in hand with mobile operators in Latin America, Asia and Africa, to enable the underserved economy, by facilitating the access of unbanked users to the financial world, to deliver credit alternatives for mobile services consumption and execute personalized campaigns to improve users’ experience in the use and acquisition of services.
We give value to data
There is great potential in the use of this data to generate a positive impact on different industries and businesses, thereby improving the possibility of users accessing other services.
In order to do this, we extract, process and make available mobile data so it can be accessed through standard APIs, allowing financial institutions and other industries to use the data in their validation processes, analytical models, fraud detection systems etc.
Application Categories
Score & indicators
Scores and indicators that allow the creation of new models or improve the accuracy of predictive models of credit repayment. They are used to enrich user data, validate process execution, obtain attributes to incorporate into existing analytical models, apply business rules and learn about a user’s behavior, among others.
ALERTS
Notifications in Pub/Sub mode to send alerts for user events. Useful for triggering the execution of campaigns from user events or detection of possible fraud by contrasting information such as changing SIM, device or mobile operator.
VALIDATION
Allows critical questions about users to be answered based on their telephone number, in order to strengthen and validate onboarding processes, user verification, reduce false accounts and improve risk models, among others.
MOBILITY
Mobility services allow advanced, geographic and temporal segmentation to increase the effectiveness of advertising campaigns and support demographic studies.
Success Cases
We improved the accuracy of cash loans eligibility models by 13% for a leading Latin American Fintech
We increased the access to credit services for unbanked people and enhanced existing risk models by incorporating indicators from the Telecommunications industry.
User loan repayment prediction enhanced by 12% using data from a Mobile Operator in Mexico
We improved credit risk analysis of a major Fintech in Mexico for loan repayment by incorporating mobile identity and behavior indicators from a local Mobile Operator.
Alternative credit score for loan payment propensity with 86% accuracy using mobile data only
We are delivering Insights to a local Fintech in China about the relationship between users’ mobile behavior and the probability of loan default, applying different Machine Learning algorithms with data from a local Mobile Operator.
Use cases
- Customer data validation
- Fraud and scam detection
- Alternative Credit Scores
- Address Verification
- KYC – Know Your Customer
- Finding opportunities
- Targeted campaigns
Answer critical questions about users based on their telephone number, in order to strengthen and validate onboarding processes, user verification, reduce false accounts and improve risk models, among others.
Cross security validation when changing a line device in the mobile network, changing SIM or changing mobile operator.
Alternative credit scores for the underserved economy, based on mobile data and non-traditional information.
Verification of user´s residence or workplace address in onboarding processes, during high value transactions, verifying a shipping address or when enhancing existing fraud risk models.
Enhancing customer information producing a more segmented base to conduct targeted campaigns.
Identification of postpaid accounts that are not associated with automatic payment from bank accounts, or to which additional products can be offered.
Offer of products to customers based on certain characteristics (postpaid or prepaid, tenure of line, type of device etc.).
Customer data validation
Answer critical questions about users based on their telephone number, in order to strengthen and validate onboarding processes, user verification, reduce false accounts and improve risk models, among others.
Fraud and scam detection
Cross security validation when changing a line device in the mobile network, changing SIM or changing mobile operator.
Alternative Credit Scores
Alternative credit scores for the underserved economy, based on mobile data and non-traditional information.
Address Verification
Verification of user´s residence or workplace address in onboarding processes, during high value transactions, verifying a shipping address or when enhancing existing fraud risk models.
KYC - Know Your Customers
Enhancing customer information producing a more segmented base to conduct targeted campaigns.
Finding opportunities
Identification of postpaid accounts that are not associated with automatic payment from bank accounts, or to which additional products can be offered.
Targeted campaigns
Offer of products to customers based on certain characteristics (postpaid or prepaid, tenure of line, type of device etc.).
Who we work with
Mobile Network Operators
We work together to extract, process and make available mobile user data in order to be used by other industries, thus generating a high impact on other businesses while exploring and boosting a new revenue line.
Financial Institutions
We unlock the potential of the data to generate a positive impact on banks and fintechs, supporting and facilitating the execution of critical business processes, as well as the incorporation of use cases that enhance the use of their services.
Other Industries
Industries such as utilities, insurance or ecommerce, have great potential in the use of their users’ telco data in their business processes, or want to explore the possibility of monetizing their own data – always with the prior consent of its users.