Credit Feature & Scoring (Under Development)

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.

Available Services

Service	Description	Integration Method
Phone Number Detection	Analyzes mobile number status and associated relationships.	API
Multi-Platform Analysis	Detects suspicious loan applications using cross-platform behavioral data.	API
Income Estimation	Estimates a user’s financial capacity and income level.	API
Fraud Insight Graph	Uses machine learning to identify fraud patterns and generate fraud risk scores.	API
Social Email Detection	Determines whether an email address is associated with social media platforms and related profiles.	API
Social Phone Detection	Detects social platform registrations associated with a phone number.	API
Financial Assessment Level	Evaluates an individual’s financial capability.	API
Credit Rating Estimation	Predicts an individual’s credit rating based on behavioral and financial indicators.	API
Education Assessment	Provides education-related insights and associated risk indicators.	API
Family Insights	Generates household-level financial profiles using spending, credit, and behavioral data.	API
Personal Tax Insights	Provides identity, taxation, and income-related information for risk management and compliance.	API
Fintech FinScore	Credit scoring model optimized for fintech applications.	API
Bank FinScore	Credit scoring model designed for banking institutions.	API
Credit Scoring X	Produces credit scores using social media and income-related data.	API
Telco Score	Customized credit score developed in collaboration with Indonesian telecommunications providers.	API

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

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Credit Feature & Scoring (Under Development)

Available Services

Typical Use Cases

​Available Services

​Typical Use Cases

Available Services

Typical Use Cases