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By combining data from mobile phone usage, social connections, device behavior, purchasing power, educational background, tax records, and cross-platform activity, Singapay builds multidimensional customer profiles and predictive risk models. Powered by machine learning and localized datasets, these services provide accurate credit evaluation, fraud detection, and decision support for financial institutions, e-commerce businesses, digital wallets, and consumer lending platforms.

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Available Services

ServiceDescriptionIntegration Method
Phone Number DetectionAnalyzes mobile number status and associated relationships.API
Multi-Platform AnalysisDetects suspicious loan applications using cross-platform behavioral data.API
Income EstimationEstimates a user’s financial capacity and income level.API
Fraud Insight GraphUses machine learning to identify fraud patterns and generate fraud risk scores.API
Social Email DetectionDetermines whether an email address is associated with social media platforms and related profiles.API
Social Phone DetectionDetects social platform registrations associated with a phone number.API
Financial Assessment LevelEvaluates an individual’s financial capability.API
Credit Rating EstimationPredicts an individual’s credit rating based on behavioral and financial indicators.API
Education AssessmentProvides education-related insights and associated risk indicators.API
Family InsightsGenerates household-level financial profiles using spending, credit, and behavioral data.API
Personal Tax InsightsProvides identity, taxation, and income-related information for risk management and compliance.API
Fintech FinScoreCredit scoring model optimized for fintech applications.API
Bank FinScoreCredit scoring model designed for banking institutions.API
Credit Scoring XProduces credit scores using social media and income-related data.API
Telco ScoreCustomized credit score developed in collaboration with Indonesian telecommunications providers.API

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Typical Use Cases

  • Credit underwriting for consumer loans, cash loans, and microfinance
  • Credit assessment and limit management for Buy Now, Pay Later (BNPL) services
  • Risk evaluation for digital wallet and payment account onboarding
  • Detection of multi-platform borrowing and fraud attempts
  • High-risk transaction detection and customer segmentation in e-commerce