Digital Lending & NBFC
Underwrite the device before you underwrite the borrower
Stop synthetic applicants, loan stacking, and device farms before the first disbursal.
Challenges
What's at stake
Synthetic applicants passing KYC with real documents on fabricated identities
Loan stacking across lenders from the same device within hours
Device farms and emulators mass-creating borrower accounts at onboarding
Repeat defaulters returning as new users after a factory reset
How DevizeScore Helps
DevizeScore anchors every application to a persistent device identity, links applicants across resets and reinstalls through the identity graph, and scores thin-file borrowers on device and behavioral evidence, in real time, hosted in India.
Signals that fire here
These are the device signals DevizeScore weighs most heavily for this scenario, a small subset of the rules evaluated on every request.
Emulator
Loan-stacking rings run hundreds of applications from emulated handsets that never existed as hardware.
App clone
Cloned lending apps let one borrower hold parallel sessions under several identities at once.
Tamper
A patched APK can strip the SDK's checks so income and KYC data arrive unverified.
Ready to secure your lending flow?
Talk to our team about how DevizeScore fits your fraud prevention needs.