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The RIL™ Product Suite

A modular product suite built on RIL™, our Relationship Intelligence core for financial services.

Credit Worthiness

Features

Credit Scoring by psychological motivators

Increase Approval Rate by 30%

Over 35% decrease in default rate

Approval & Real time screening

Works in conjunction with traditional assessment performance

Works on thin-filed and
unbanked population

Benefits
Reducing Default Rate:
Recovers Banks Losses
Increasing Approval Rate
recovers Potential Revenues
Default Probability
1
Behavioral
6
1
Historical
6

Financial Behavior

Features
Our Scoring is more
than a number!

Timely loan payment:
Early – Sloppy

Risk Taking Trait:
Prudent – Risk Taker

Identifying population that is committed to meeting their financial obligations

Not relying on historical transactions only

Benefits
Detecting Profitable Population Equitable lending approach
Enables Pricing Optimization Increase Customer Lifetime Value
Spending Behavior
Saver
Spender
Early Payer
Sloppy Payer
Prudent
Risk Taker

RIL™ GEN AI Hyper Personalization

Personalized content and communication based on what drives people.

X2 Response Rate

Seeking Exclusivity
Common
VIP
Decision Making
Fast
Slow
Content
message focused according to personality type
Design
e.g., images vs text, type targeted images
Tone
e.g., data focused vs emotion focused information
Detail
i.e., short and concise messages vs elaborate ones

Predictive Behavior

Based on Personality and Motives

Engaging, Matching and Improving Conversion

Population
Stability seekers
Informative Message
Financial Behavior
Early payers
VIP + Rational
Message with
concrete facts
Financial Behavior
Sloppy payers
Engage
Match
Convert
Product
Cashback
Card
Platinum
Card
Rewards
Card

Fraud

Vulnerability Detection

Fraudster Behavior Signals

Device Tracking

Detecting and preventing account takeovers

Platform Intelligence

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