Score - Kalapa

Kalapa Score

Early detection and prevention of fraud

right at the loan application step

Smart scoring system bsaed on AI

KALAPA Score uses the power of artificial intelligence (AI) to assess customers' risk and fraud levels right during the registration process. Help partners make decisions to accept or decline loan approval quickly and effectively.

How It Works

We assess how are users behaving during the application process.

We runs real-time machine learning algorithms on hundreds of behavioral indicators captured during the digital application process to immediately and accurately predict the intent of your customer.

With real-time intent scoring, KALAPA Behavior Score unlocks a high level of personalization and enables effective evaluation tailored to each of your customer.

How We Predict Score

As users engage with your web sites or credit applications, they leave behavioral patterns that give us an information about their intent.

We captures hundreds of these unique behavioral clues, comprised of thousands of behavioral patterns, while a user is filling an application.

We use behavioral data science to recognize and analyze this information, then we transform it into clear score, giving you accurate insight into applicants' intent and riskiness.

From this score, partners will understand the purpose and assess the fraud risk of each applicant.

Alternative Data

Improved AUC

Increase Profit

Know Your Customer Intent

Segment Your Customer

Identify Fraud

UseCases

Know Your Customer Intent

Our score of your customer's behaviour effectively assesses whether their intentions match your needs

Segment Your Customer

Segment your customers according to your needs based on KALAPA scoring

Identify Fraud

Identify and stop fraudsters based on KALAPA scoring even at the stage of applying

Increase Profit

With proper customer segments by eliminating fraudsters and making deal with proper customer segments

Why choose

Real-Time Behavior Tracking

The system automatically monitors every customer to detect signs of fraud.

Suitable for All Types of Businesses

The scoring model based on artificial intelligence can quickly learn the characteristics of all types of businesses

Convenient Integration

Quick integration process with technical team ready to support partners.

Absolute safety

We commit not to collect any personal data from customers.

Confidentiality of Customer Information

We commit not to collect the content that customers fill in the registration form.

Alternative Data

Use alternative data sources, including unique information (from devices and user actions) that cannot be collected from conventional local databases. This data assists users in assessing customer risk more comprehensively and accurately.

Improved AUC

Enhance your ability to differentiate between good and bad customers by combining an internal scoring system with KALAPA Behavioral Score.

Hiệu quả của Mô Hình

Significantly improve approval efficiency and reduce bad debt

Gini

Up to

+0,10.

Giảm Tỷ Lệ Nợ Xấu

(Default Rate)

Up to

Tăng Tỷ Lệ Thu Hồi Nợ

(Recovery Rate)

Up to

Increase the predictive ability of existing scoring models

Ability to differentiate between good customers and bad customers
average approx 0,3 GINI.
When integrated on the partner's available model,
GINI can be increased 0,06-0,10.

A product of