Transforming Banking into a Smarter, Location-Aware Ecosystem
We help banks go beyond traditional services by integrating real-world behavioral, location, and lifestyle intelligence into their operations. The result is a smarter, customer-centric banking ecosystem that drives deeper engagement, improves risk assessment, and opens up new revenue streams — all while enhancing customer satisfaction.
Health Analytics – AI at the Core
Our Health Analytics solution leverages advanced facial scanning technology to track key vital signs in real time using only the device’s camera.
Benefits to the Bank
Smarter Credit Risk Models
Smarter Credit Risk Models
What it is: Use alternative data such as driving discipline, location stability, and purchase patterns to enhance credit scoring accuracy.
Example Use Case:
- Behavior: A customer consistently commutes from a suburb to a business district, shows regular fuel and utility payments, but has no formal salary deposits.
- Bank Action: The system recognises stable employment and income consistency, improving the credit profile and enabling microloan, credit card, or BNPL offers — driving financial inclusion.
Microloans & BNPL Activation
What it is: Provide real-time, context-aware financing for predicted needs.
Example Use Case:
- Behavior: Telematics data shows the customer’s car is due for a major service.
- Bank Action: If low balance is detected, instantly offer pre-approved service financing or BNPL at a partnered garage.
Predictive Auto Financing & Warranty Offers
What it is: Use alternative data such as driving discipline, location stability, and purchase patterns to enhance credit scoring accuracy.
Example Use Case:
- Behavior: A customer consistently commutes from a suburb to a business district, shows regular fuel and utility payments, but has no formal salary deposits.
- Bank Action: The system recognises stable employment and income consistency, improving the credit profile and enabling microloan, credit card, or BNPL offers — driving financial inclusion.
Hyperlocal Marketing
What it is: Deliver location-based offers and targeted promotions.
Example Use Case:
- Behavior: A customer makes repeated visits to a school during fee season.
- Bank Action: Offer tuition financing or set up automated savings goals for future school terms.
Sustainability & Green Finance Initiatives
What it is: Reward eco-friendly behaviors and promote green banking.
Example Use Case:
- Behavior: A customer drives safely, keeps mileage low, and avoids idling.
- Bank Action: Provide access to green products like EV loans or energy-efficient home improvement financing.
Second-Hand Car Valuation & Marketplace Integration
What it is: Use telematics to support accurate car pricing and resale.
Example Use Case:
- Behavior: Data shows a vehicle with low mileage, smooth driving, and regular servicing.
- Bank Action: Generate a high “vehicle health score” and suggest listing on a partner marketplace with built-in financing options.
Smarter Credit Risk Models
What it is: Use alternative data such as driving discipline, location stability, and purchase patterns to enhance credit scoring accuracy.
Example Use Case:
- Behavior: A customer consistently commutes from a suburb to a business district, shows regular fuel and utility payments, but has no formal salary deposits.
- Bank Action: The system recognises stable employment and income consistency, improving the credit profile and enabling microloan, credit card, or BNPL offers — driving financial inclusion.
Microloans & BNPL Activation
What it is: Provide real-time, context-aware financing for predicted needs.
Example Use Case:
- Behavior: Telematics data shows the customer’s car is due for a major service.
- Bank Action: If low balance is detected, instantly offer pre-approved service financing or BNPL at a partnered garage.
Predictive Auto Financing & Warranty Offers
What it is: Use alternative data such as driving discipline, location stability, and purchase patterns to enhance credit scoring accuracy.
Example Use Case:
- Behavior: A customer consistently commutes from a suburb to a business district, shows regular fuel and utility payments, but has no formal salary deposits.
- Bank Action: The system recognises stable employment and income consistency, improving the credit profile and enabling microloan, credit card, or BNPL offers — driving financial inclusion.
Hyperlocal Marketing
What it is: Deliver location-based offers and targeted promotions.
Example Use Case:
- Behavior: A customer makes repeated visits to a school during fee season.
- Bank Action: Offer tuition financing or set up automated savings goals for future school terms.
Sustainability & Green Finance Initiatives
What it is: Reward eco-friendly behaviors and promote green banking.
Example Use Case:
- Behavior: A customer drives safely, keeps mileage low, and avoids idling.
- Bank Action: Provide access to green products like EV loans or energy-efficient home improvement financing.
Second-Hand Car Valuation & Marketplace Integration
What it is: Use telematics to support accurate car pricing and resale.
Example Use Case:
- Behavior: Data shows a vehicle with low mileage, smooth driving, and regular servicing.
- Bank Action: Generate a high “vehicle health score” and suggest listing on a partner marketplace with built-in financing options.
