Behavioral
Prescoring

What Can
It Do?

  • Increase approval rate for prospective clients with no credit history but the digital footprint
  • Prevent defaults to minimize losses by improved prediction of defaults and frauds
  • Personalise customer journey based on Smart Features and provide better offerings
  • Strengthen current scoring/risk models with extended data - Smart Features
SDP - Dashboard Screenshot SDP - Dashboard Mobile Screenshot

Whom Can
It Help?

Everyone who wants:

  • More contracts without bigger risk
  • Make their own risk model more powerful
  • Smart personalisation based on user behaviour data
  • To react on time to a unsuitable proposition

How Does
It Work?

ZOE.ai - How it works graph - Collects applicant's behavioral data...
ZOE.ai - How it works graph - Collects applicant's behavioral data...

Zoe.ai collects applicant's behavioral data, e.g. device fingerprints, location data, transaction data, session data, and much more during users' filling in their personal data in the online application form.

ZOE.ai - How it works graph - Zoe.ai puts this data into the context...
ZOE.ai - How it works graph - Zoe.ai puts this data into the context...

Zoe.ai puts this data into the context and enriches them with available and relevant open third-party data e.g. price of user's device, open registers, criminal data in the certain area. This extended data is part of the "Zoe.ai AI Model" - Machine Learning Model that can provide Prescoring Prediction during user's application. The extended data called "Smart features" can be provided in real time as well. Prescoring Prediction and Smart Features provide valuable customer info that can be later used for personalization (web, application, PPC campaign etc.).

ZOE.ai - How it works graph - Thanks to the real time feature it is also possible to provide different offer to the customer.
ZOE.ai - How it works graph - Thanks to the real time feature it is also possible to provide different offer to the customer.

Thanks to the real time feature it is also possible to provide different offer to the customer, in case the risk the original offer is too big. Last but not least, also the traditional risk model can strongly benefit from Smart Features and Prescoring Prediction as it can make this model more powerful and accurate.

How to Start
Your New Era?

Feel free to try out free subscription offering you the basic set of Smart Features provided by API.

Sign-up

1. Sign-up

Sign-up into system and
obtain credentials and key
to use public API

Install

2. Install

Install and configure JS probe on web page with online forms with the provided documentation

API

3. API

Call API to use Smart
Features and get Predictions

Needed Assistance with Initial Setup?

No problem, we can assist you with initial setup, just CONTACT US

Pricing

We save your time and effort - Zoe.ai is maintained as a software
as a service so you do not need extra hardware, support team etc.

Do You
Want More?

  • Provide initial Data Collector setup and API integration easily for you
  • Create Machine Learning model with existing customer data enriched by Zoe.ai data and evaluate its benefits
  • Insights and advanced analysis of current customer data and workflow
  • Integrate experience learning feedback in order to improve model performance
  • Generally we focus on fast streaming data and artificial intelligence https://lundegaard.ai

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References

We are aligned with Lundegaarden family, common values shared

#quality_and_personal_responsibilty
#innovation_and_moving_forward #openness_and_transparency
#flexibility_freedom_agility #clients_results_partnership
#non-formal_and_respect
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Zentiva
Metlife
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ALD Automotive
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