Alternate Data Suite

Digitap builds complex credit underwriting models by extracting financial and non-financial information of a customer from the following sources:

  • Bank Statements
  • Device Data(Via SMS)
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Alternate Data Suite

Bank statements

Allows to get the Cxs Bank Data Report through:

  • NetBanking
  • PDF Statements Upload
Report Details :
  • Customer Details
  • Bank Account Details
  • Transactions Data with Categorization
  • PDF , CSV , EXCEL , JSON reports available
  • Data Analytics & Bank Data Score Card*
  • ~700 financial variables on user profile
  • Extended fraud checks on doc and data

Device Data

DIGITAP SDK acquires data from user’s mobile device, basis permissions

Read SMS / Location Data / Device fraud indicators

Key Outputs
  • AI driven Credit Score
  • 1400+ variables of User financial health
    - CASA, CC, Loans, Deposits, Wallets
    - Utility Bill Payments, Insurance
  • User Profiling for Underwriting, Lower NPAs
  • Automated decisioning
  • Rich Alternate Data for NTC customers
  • Easy to integrate
  • Light weight solution (size of SDK ~350 KB)

Key Benefits

01

Lower NPAs

02

Lower underwriting cost and collections cost

03

Faster decisioning on credit assessment

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