Risk Score
Send any mix of phone, email, IP and identity. Get a score from 0 to 999 with its top reasons, tuned for your market.
Combine it with other Monnai products in one API call
Whatever you send becomes one number from 0 to 999, higher means riskier, with the reasons.
Risk score
112/ 999Low risk
Top reasons
BandApprove
Risk score
871/ 999High risk
Top reasons
BandReject
Your bands
You set where each band starts.
Your bands
You set where each band starts.
The only Monnai product that returns a score.
Where most scores need a fixed set of inputs and come with no explanation, this one works with what you have.
Where a typical risk score stops, and what Risk Score adds.
| Typical risk score | Monnai Risk Score | |
|---|---|---|
| Inputs | A fixed set, all required | Any mix of products |
| Explanation | A number only | A number with up to five reasons |
| Markets | One model for everyone | Tuned for each market |
| Fraud and credit | Two vendors, two calls | One call |
The decisions Risk Score helps with most.
Risk Score works on its own, and with these through the same API call.
How a consumer fintech uses Risk Score.
A risk score sums up how risky a customer is in one number. Monnai’s runs from 0 to 999, higher means riskier, and comes with up to five top reasons in plain words.
Any mix: a phone number only, an email only, or phone, email, IP and identity together. More data gives a sharper score.
Yes. Risk Score gives a fraud score and a credit score from one call, tuned for each market.
You set the bands: where approve, review and reject start, to fit your risk appetite. A test on your own data shows where to put them.
Up to five top reasons, in plain words, with every score, so your team sees why a customer scored high or low.
Yes. Risk Score is tuned for each market, and it scores people legacy credit scores miss, from any mix of phone, email, IP and identity.
Yes, and we’d rather you did. Send past applications or transactions: we score them offline, with no integration on your side. Your full report comes back within 5 business days.
A legacy credit score needs a credit file. Risk Score works from any mix of phone, email, IP and identity, so it returns a risk score even for people with no file at all, from 0 to 999, with the reasons behind every score, to support your own decision.
A test on your own data in 5 business days, with results measured on production traffic.
