Digital Lending Platforms
Online consumer, payroll and cash-flow lenders that need automated origination, fraud screening and real-time credit decisions.
Empowering Financial Inclusion with Data Intelligence
Advanced risk management and digital operation platforms tailored for emerging markets.
Explore SolutionsWho We Are
AF Infinity is a financial risk-control technology company focused on emerging markets. Through data and machine learning, we provide credit scoring, risk indicators, and anti-fraud solutions for digital lending platforms and consumer finance institutions.
With mature risk-control experience and experience serving licensed institutions.
Key Partners
JD.com, Didi, Meituan, Lexin, PPdai, Yangqianguan, Xinyongfei, Kuainiu, Xiaoying, Jiayin and other leading institutions
By the numbers
5+
Emerging Markets
100M+
Devices Covered
500M+
Transactions Scored
30+
Financial Institutions
Risk Capability
Risk Scoring + Indicator System
From model scores to explainable, adjustable granular risk signals.
Risk Scoring
- Alternative-data credit and anti-fraud scoring
- Covers application, credit and transaction lifecycle
- Optimized for thin-file populations in emerging markets
Risk Indicator System
Granular fraud and credit risk signals that fuse deeply with scoring models.
- Multi-Loan Applications
- Identify multiple loan application behavior in a short time and capture hidden multi-loan risks
- Whitelist
- Marketing customer list, fast-track for quality users, improving approval efficiency
- Blacklist
- Overdue and fraud customer list, precisely intercepting high-risk applications
- Communication Behavior
- Call patterns and SMS interaction features reflecting user financial activity and risk tendency
- Payment Behavior
- Payment flow stability and activity analysis to assess real repayment ability
- …More Indicator Dimensions
- Flexible expansion according to different markets and scenarios
Ecosystem
Technology & Data Ecosystem
Compliance & Digital Identity Network
Multi-layered KYC/AML, sanctions screening, device fingerprinting and behavioral biometrics—similar to the digital identity networks used by leading risk vendors.
Alternative Data Aggregation
Telco bills, utility payments, rent history and e-commerce behavior normalized into credit-ready signals for thin-file applicants.
Telco & Device Intelligence
Carrier top-up patterns, SIM stability and device reputation signals for identity proofing.
Digital Payments & Transaction Graph
E-wallet flows, merchant transactions and fund-movement graph analysis to detect ring fraud and money laundering patterns.
Who we serve
Who We Serve
Specialized risk decisioning for digital lenders and fintechs across emerging markets.
BNPL Providers
Buy-now-pay-later and checkout-financing platforms operating inside e-commerce, ride-hailing and super-app ecosystems.
Embedded Fintech Platforms
Payment-led fintechs, e-wallets and SaaS platforms embedding credit, savings or insurance via API-first risk engines.
Client success
Outcomes that speak for themselves.
Anonymized results from financial institutions across emerging markets. Names are private. Results are not.
Digital Lending
Leading Digital Lending Platform
Challenge
High rejection rates for thin-file applicants and rising fraud losses at onboarding.
Solution
Integrated alternative-data credit scoring with real-time fraud detection across the loan lifecycle.
+28%
Approval Rate
-22%
Default Rate
+15%
Coverage Lift
BNPL
Global BNPL Provider
Challenge
Rapid checkout growth strained credit-decision speed; first-payment defaults were rising.
Solution
Embedded risk scoring and device intelligence at checkout, tailored for thin-file users.
-35%
First-Payment Default
+40%
Approval Speed
95ms
Avg. Decision
Overseas Launch
Emerging-Market Fintech Expanding Overseas
Challenge
Entering new markets without local credit bureaus; legacy scoring models could not be deployed quickly enough for the launch window.
Solution
Built a local, iterable risk-scoring and anti-fraud system using behavioral signals, transaction patterns and alternative data within 4-6 weeks.
6 wks
Time to Launch
+50%
Auto Approval
-40%
Fraud Losses
Case studies are illustrative and based on aggregated, anonymized engagement patterns.
Trusted by
Trusted by leading financial institutions across emerging markets.
Consumer Finance · SEA
Digital Lender · LATAM
Financial Platform · Africa
Payment Platform · SEA
BNPL Provider · LATAM
Overseas Fintech
Alternative data scoring unlocked a segment we could never serve before. Approval rates up, defaults down.
Real-time fraud detection cut our losses by more than half. The team's emerging-market expertise made the difference.
We went from zero to live in under six weeks. Localized risk scoring let us validate the product in a new market without building a team from scratch.
Testimonials are illustrative and will be updated with verified client references.