Top 35 Alternative Data Providers for Risk Scoring and Fraud Prevention
For decades, creditworthiness was defined by a narrow set of financial indicators. In the United States, credit bureaus like Experian, Equifax, and TransUnion—together with FICO scores—established the benchmarks lenders used to decide whether to extend credit. These models relied on a consumer’s history of loans, mortgages, and
Email Intelligence: Turning Signals Into Decisions
Why Emails Are Powerful Identity Anchors Think for a moment about your own email address.Maybe you created it back in college. Maybe it’s the one you’ve carried with you through jobs, apartments, relationships, and countless password resets. It’s the login you still use for Netflix, Amazon,
Top 10 Fraud Prevention Tools, Products, and Solutions 2025
Imagine a fintech startup that launches in Buenos Aires. Within its first year, they blow past growth targets—signing up thousands of customers a week. Then, quietly, their chargeback rates climb, mysterious accounts created using synthetic identities rack up unpaid loans, and their operational costs swell. Investors start asking tougher
What is pre-KYC screening and how it works
For years, fraud prevention has largely been reactive: businesses let users sign up, complete onboarding, even pass through verification checks—and only then investigated suspicious patterns. But fraud no longer works at that pace. Today’s fraudsters use automation, stolen credentials, synthetic identities, and even AI-generated profiles. By the time
Synthetic Identity Fraud: Signs, Risks, and How to Protect Against It
Synthetic identity fraud has emerged as one of the most pervasive and challenging forms of financial crime today. Unlike traditional identity theft, where a criminal steals and uses a real person's information, synthetic identity fraud involves creating a completely new identity by combining real and fabricated data. This
Top 10 Reverse Email Lookup Tools, Products, and Solutions
Reverse email lookup has become an invaluable technique for businesses and investigators to uncover the person or organization behind an email address. In simple terms, a reverse email lookup means starting with an email and finding information about its owner. This could reveal the person’s name, social media profiles,
How to Detect Fake Accounts: A Comprehensive Guide
In 2024, global scams reached unprecedented levels, with over $1 trillion lost worldwide, marking a significant increase from previous years. This surge is largely attributed to the proliferation of fake accounts across various platforms, including social media, e-commerce, and financial services. These fraudulent accounts are not only used for spam
What is Digital Footprint analysis?
Digital footprints are the trails of data users leave behind as they move through the online world. These traces can include everything from email activity and IP addresses to browser settings and device metadata. Every digital interaction helps shape a virtual profile that evolves over time. Unlike static identifiers like
Webinar with Ginimachine by HES: August 14, 2025
Beyond the Score: How Alternative Data Transforms Credit Decisions Live webinar | August 14 | 16:00 GMT+3 | 30 minutes Discover how alternative data is reshaping modern credit risk strategies — with real-world insights from GiniMachine and Scoreplex. REGISTER What You’ll Learn In today’s digital world, traditional credit scoring just
Scoreplex H1 2025 Product Update: New Scoring Model, Smarter IP Checks, and More
Hi from the Scoreplex team, We’re thrilled to introduce our H1 product update — a major step forward in making fraud prevention more transparent, customizable, and automated. From a brand-new rule-based scoring engine, IP intelligence, phone/email/name cross matching to deeper identity consistency checks and enhanced email risk analysis,
Alternative Credit Scoring: Building Trust from Digital Footprints
In the 20th century, credit was a simple, rule-bound system: you either had a credit history or you didn’t. You were either in the system or out. If you had no loans, no bank-issued credit cards, and no accounts in good standing with reporting agencies, then it didn’t
Leveraging Rent and Utilities Payment Data for Enhanced Fraud Prevention and Credit Scoring
In recent years, rental payment data has become increasingly recognized as a powerful indicator of an individual's creditworthiness. Regular, timely rental payments demonstrate clearly a borrower's financial discipline, reliability, and willingness to meet their debt obligations fully and punctually. Research from the Urban Institute further supports
Practical guidance for compliance teams applying AI agents to KYB and due diligence, improving speed, consistency, and audit readiness.
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