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Table of Contents
- What Is User Profile API?
- Methodology
- How Can Your Business Leverage User Profile APIs
- Key Features Of User Profile API
- Where You Can Use It
- How Can Decentro Help?
What Constitutes Profiling a User?
User Profile API leverages profiling users via digital footprints, online behavior, and alternate data sources to assess creditworthiness, detect fraud, and enhance risk profiling. It moves beyond traditional credit scores, offering a more profound, real-time view of borrower intent and financial behavior.
Unlock deeper borrower insights beyond traditional credit scores with Decentro’s User Profile API. This API helps you assess creditworthiness, detect fraud, and enhance risk profiling in real time by analysing digital footprints, social behaviour, and online activity.
Methodology
Access real-time behavioral insights, mitigate risk, and enhance decision-making with comprehensive user metrics.
Integrate Seamlessly
Plug into your transaction monitoring systems with minimal effort.
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Access & Analyze Data
Get real-time alternate data insights instantly.
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Optimize Credit Decisioning
Make data-driven lending & risk decisions.
How Can Your Business Leverage User Profile APIs
Smarter Lending
Assess borrower credibility beyond credit scores.
Fraud Prevention
Detect anomalies in digital footprints to mitigate risk.
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Optimized Credit Decisions
Reduce NPAs with accurate borrower insights.
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Personalized Financial Services
Customize offerings based on real-time behavior.
Key Features
Data
Aggregation
Fetch structured insights from social and digital platforms.
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Risk
Profiling
Identify relationships between suspected mule accounts.
Fraud
Detection
Assign risk levels to accounts based on multiple indicators.
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Continuous
Monitoring
Track behavioral shifts for early risk warnings.
Plug &
Play Integration
Seamless API connectivity with minimal effort.
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Secure &
Compliant
Data encryption & regulatory adherence.
Where You Can Use It
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Lending &
BNPL
Improve risk assessment & borrower profiling.
NeoBanks &
Fintechs
Enable AI-driven lending & alternative underwriting.
Investment &
Wealth Platforms
Assess user behavior for personalized offerings.
Credit Bureaus &
Underwriting
Enhance credit scoring models with real-time insights.
User Profile API For Your Business - How Can Decentro Help
Why Use Decentro’s User Profile API?
Holistic Borrower View
Move beyond traditional credit scores with digital footprints.
Real-Time Fraud Checks
Instantly detect anomalies & prevent high-risk lending.
Plug & Play Integration
Ready-to-use API for seamless implementation.
Enhanced Credit Decisioning
Make informed lending decisions with deeper behavioral insights.
Secure & Compliant
Data is encrypted & adheres to regulatory standards.
Uninterrupted Operations
Leverage multi-bank architecture in the backend so that unexpected downtimes, black swan events, or volume spikes will not impact your business.
For Developers
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Simple & Automated APIs To Help You Launch 10X Faster.
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