Industry · Digital Lending

Stop fraud, score thin files, lend with confidence.

From onboarding to disbursal, AF Infinity scores every signal in milliseconds so digital lenders can grow without becoming the next fraud headline.

What we see

Where digital lending hurts most.

01

Fraud rings at onboarding.

Synthetic identities, device farms, and organized first-payment-default rings exploit high-velocity digital funnels faster than manual review can react.

02

Manual review backlog.

Good customers wait while analysts review flagged applications; conversion drops and acquisition spend evaporates.

03

Regulators tightening on lending conduct.

Interest-rate caps, collection conduct rules, and real-time lending reporting are now table stakes. Spreadsheets and batch jobs cannot keep up.

What we deploy

Three modules, one risk engine.

Each module ships standalone and integrates end-to-end with the AF Infinity alternative-data engine.

01

Real-time anti-fraud

Device intelligence, behavioral biometrics, and graph signals scored in milliseconds at onboarding, disbursal, and every repayment transaction.

  • Synthetic identity and device-farm detection
  • First-payment-default ring detection
  • Behavioral patterns across the full journey

02

Alternative-data credit scoring

Telco, e-wallet, and device-fingerprint signals scored with gradient boosting models calibrated for thin-file digital lending applicants.

  • Coverage on applicants bureau scoring rejects
  • Explainable score reasons for compliance teams
  • Sub-second scoring at decision time

03

Digital supervision & compliance

Automated lending reporting, interest-rate-cap monitoring, and collection-conduct tracking with full audit trails.

  • Real-time lending reporting to regulators
  • Interest-rate cap and fee monitoring
  • Collection conduct and disclosure tracking

Illustrative outcomes

What digital lending teams measure.

-61% Fraud Losses
-45% Manual Review
120ms Avg. Response
100% Reporting SLA

Figures are illustrative and reflect typical outcomes reported by digital lending clients. Actual results depend on portfolio and market.

Client outcome

A LATAM digital lender that cut fraud losses by more than half.

Digital Lending · Latin America

Latin American Digital Lender

Challenge

Surging fraud attempts at onboarding; manual review backlog delaying good customers.

Solution

Real-time fraud detection with device intelligence and behavioral patterns, fused with rules and ML scoring at every touchpoint.

-61% Fraud Losses
-45% Manual Review
120ms Avg. Response

Case study is illustrative and based on anonymized engagement patterns.

Run a fraud stress test on your lending funnel.

Book a working session with our fraud team to map your funnel to real-time detection.

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