Case Study: Leading Fintech Company improves credit risk assessment and reduces defaults with Mobilewalla

Leading Fintech Company - Customer Case Study

Leading Fintech Company, a Southeast Asia-based digital credit card and consumer lending provider, needed to improve its credit rating model for online loan and card applications while also strengthening fraud prevention. It turned to Mobilewalla for third-party data enrichment and predictive features to better assess borrower risk beyond its first-party application data.

Mobilewalla implemented a blended first- and third-party data approach using its Feature Mart and curated feature sets to build and validate a new credit risk model. The new model delivered up to a 5% lift in Gini Index and a 0.2–0.5% decrease in default rates, helping Leading Fintech Company expand customer acquisition while managing risk more effectively.