BNPL
Identify Applicants.
Increase Approvals.
Use risk scoring to identify applicants. Determine the eligibility of potential customers.
Know Your User
from Holistic Point of View
Validate customers in the onboarding stage to improve customer experience. Verify specific information such as email, phone number, physical address, IP address, with Mastercard enrichment and social media scanning.
Link Analysis
via Graph Intelligence
Visualize the relationships between financial actors like individuals, accounts, transactions, or devices. Reveal connections that appear anomalous which may indicate potential fraudulent activity. Focus on high-risk transaction patterns and save time.
Single Data Point
to Identify Suspicious Transactions
To get a comprehensive understanding of who customers are in reality, trace any user data points using a real-time risk orchestration platform. Evaluate the risk of every transaction utilizing data-supported analysis. Maintain compliance and boost trust.
Detailed Insights
with Holistic Approach
Insights from purchase history reveal patterns in shopping behavior, preferences, and adherence to site rules. By analyzing past purchases, businesses can tailor marketing, personalize recommendations, and identify the real applicants.
Frequently Asked Questions
BNPL providers commonly face application fraud, account misuse, identity inconsistencies, and repayment risk, all of which can impact approval quality and portfolio performance.
By using risk-based decisioning and real-time data analysis, BNPL providers can identify low-risk applicants more accurately and approve more customers safely.
Because BNPL involves instant credit decisions, identifying suspicious applicants early helps reduce defaults, fraud exposure, and long-term financial losses.
The key is to maintain a strong approval strategy that evaluates both user behavior and identity signals, ensuring growth does not come at the expense of portfolio quality.
BNPL fraud is not only about unauthorized transactions but also includes fake identities, first-party fraud, and users who misuse credit without intent to repay.