Fego Risk Insights | Creditworthiness, Fraud & more

Products for the entire credit-lifecycle

Fego's intelligent product-suite enables lenders to leverage Open-Finance to enhance affordability and risk assessments. Our checks and predictive insights help lenders streamline underwriting, improve accuracy in decision-making, track customers post-disbursements and even support customers through our engagement tools.

Loan Origination

API

Dashboard

Creditworthiness Insights

Understand loan needs and make informed credit decisions with user's enriched transaction data. Analyse creditworthiness with financial behavioural traits and aspects like:

Ability to repay (based on surplus cash & regularity of spending pattern)

Intent to repay (based on bill payment patterns and purposeful deflection)

Liquidity / Emergency expenditure probability

Lead identification

Dashboard

API

Creditworthiness Insights

Adopt a targeted strategy with deep segmentations based on the financial behaviour of users in different cohorts. Choose the right customer segment for your offerings. Data points include:

Potential borrower segments

Fraudulent Intent / Risky customers to avoid

Wallet Share / Missed opportunities

Customer 360

Partner 360

Recovery

API

Dashboard

Collection & Recovery Insights

Personalise collection strategy based on the user's financial behaviour and cash flow. By using advanced analytics and machine-learning algorithms, get early-warning signals and the features of at-risk customers including:

Negative shift in intent or ability to repay

Balance run out moment

Intentional bounce / Job loss / Compulsive spending

Excessive spending in the first week of the month / Emergency spending / Loan stacking

Best time to collect

Risk Mitigation

Dashboard

API

Collection & Recovery Insights

Differentiate your collection efforts using deeper customer segmentation, demographics, and emerging customer portfolio views. Identify high-risk borrowers in advance and develop more effective, targeted collection strategies to encourage them to repay their debts by understanding:

Potential default segments (by age and income)

High-risk accounts

Early outs (Foreclosure accounts)

Customer 360

Partner 360

Loan Origination

API

Dashboard

Fraud Insights

Make informed credit decisions using user's enriched transaction data. Identify behavioural traits and find potential assessment gaps including:

Loan stacking

Frequent account opening

Previous instances of intentional defaults

Lead identification

Dashboard

API

Fraud Insights

Create a user categorisation for suspected frauds and investigate the highest priority ones to minimise the impact.

Customer 360

Partner 360

Transform Credit through Risk Insights

Quicker decisions

Reduced risk

Increased acceptance

Credit confidence, delivered through an API

Consume your users' behavioural insights via our APIs enriched from transaction data, along with your users' complete credit lifecycle from Onboarding to Collections.