Leverage consumer data, pre-approval
We gather and analyse behavioural, financial, experience and device data from applicants to build a more complete risk profile.
We’re trusted by the world's leading companies
Only 30% of defaults in the last 12 months are known to Credit Referencing Agencies. Replace data inconsistencies with precise risk decisioning.
Up to 10% of consumer applications contain fraud. Leveraging a range of consumer data points helps uncover fraud before it becomes costly.
£40,000 is the average cost of a risky applicant who ends up in default. Reduce risk exposure by analysing behavioural, digital and financial history.
There’s more to financial risk than just credit
Our automated decisioning engine instantly authenticates a range of applicant data to eliminate risk and fraud from your business.
Bank statement analysis can signal how frequently a consumer is paid and by whom; how often the applicant operates in an overdraft; uses an ATM, has a low bank balance, or spends significantly on gambling.
All financial risk factors should be considered against the current backdrop of economic crisis.
Our technology will find manipulations in employment contracts, income sources and letters of employment.
Use device and network enrichment tests to check the authenticity of website domains, email addresses and company formation.
Check for suspicious or fraudulent activity on the internet by scanning an applicant’s social media presence and digital footprint.
Check for insolvency, bankruptcy, adverse media checks, sanctions and conduct a politically exposed person (PEP) assessment for total risk transparency.
Application fraud not only rears its ugly head in the form of document manipulation.
Homeppl conducts 150+ fraud detection tests to mitigate the risk of fraud loss from the outset. Fraud loss reached £700m in the first half of 2022.
We believe this level of precision and precaution is now necessary to grow and protect revenue in the current economic climate.
challenges we solve
Understanding consumer data.
“We put a lot of trust in the Homeppl system and believe that it will filter out applicants that are disingenuous from the start. It’s definitely the best system that I know of out there.”
Hayley Wills, Associate Director, APO
Explore other challenges we solve with our technology
Whether you’re looking to reduce fraud loss, onboard customers, make better credit decisions, know more about your customers, reduce operational friction or approve more applications, we have a range of products to serve a range of industries.
Make better informed decisions based off precise data
We'll provide a short no-obligation demo of each element of our fraud tech, book below:
