Alternative CreditScoring for theDigital Age
Mindigital's AI-powered credit scoring platform uses telco data, device intelligence, and alternative financial signals to assess creditworthiness — even for applicants with no traditional credit history.
Four Steps to a Complete Credit Profile
Our multi-dimensional assessment captures financial, behavioral, and digital signals to build the most accurate picture of creditworthiness.
Loan Application
Complete a comprehensive loan application with personal details, employment information, and financial profile.
Device Intelligence
Our system extracts device signals — OS, browser, connectivity patterns — as alternative creditworthiness indicators.
Document Upload
Upload bank statements, utility bills, or bureau reports to enrich your credit profile with verified data.
AI Risk Score
Receive a comprehensive risk score with detailed factor analysis, loan recommendations, and actionable insights.
Telco-Powered Device Signals
Vodafone's network intelligence provides unique insights into applicant behavior through device fingerprinting, connectivity patterns, and usage analytics — data points that traditional bureaus simply cannot access.
- Device type, OS version, and browser fingerprint
- Network connectivity and data usage patterns
- SIM card tenure and number stability
- Geographic consistency and mobility patterns
- App usage behavior and digital engagement
Multi-Source Document Analysis
Upload bank statements, utility bills, or credit bureau reports. Our AI extracts and analyzes financial patterns, payment behaviors, and income consistency to build a richer credit profile.
The Key to Determining Identity Risk
Referencing multiple 'proofs' across three dimensions — Physical, Digital, and Behavioural — to build the most complete identity risk picture.
Physical Identity
Traditional identity verification signals
Digital Identity
Online presence and device-linked signals
Digital Behaviour
Real-time interaction and usage patterns
One Identity Accessing Multiple Accounts
Our platform detects suspicious patterns where a single identity is linked to multiple devices, accounts, and geographic locations — a key fraud signal that traditional credit bureaus miss entirely.
- Cross-device identity linking and deduplication
- Geographic consistency and mobility anomaly detection
- Account network graph analysis for fraud rings
- Real-time velocity checks across loan applications
Built for Emerging Market Lending
Combining the best of CredoLab's behavioral scoring, Optasia's telco intelligence, and MongoDB's real-time data infrastructure.
Generative AI Scoring
LLM-powered analysis synthesizes hundreds of data points into a nuanced credit narrative, going beyond traditional bureau scores.
Device Fingerprinting
Telco-grade device intelligence from Vodafone network data reveals behavioral patterns that predict repayment reliability.
Alternative Data Sources
Utility payments, mobile usage, and digital footprint data enable scoring for thin-file and unbanked applicants.
Bureau Integration
Seamlessly integrates with traditional credit bureaus while augmenting scores with alternative data for a complete picture.
Real-Time Decisions
Sub-second scoring decisions powered by our ML pipeline, enabling instant loan approvals at scale.
Privacy-First Architecture
GDPR-compliant data handling with end-to-end encryption. Applicant data is processed securely and never sold.
Trusted by Industry Leaders
Mindigital's credit scoring platform integrates with the world's leading telco, fintech, and data infrastructure providers.