Case Study: ZestMoney achieves stronger user trust and reduced fraud with SHIELD’s Device Intelligence

How ZestMoney Leveraged SHIELD’s Device Intelligence to Enhance User Trust

ZestMoney, India’s leading digital EMI/checkout finance platform with a registered user base of over 17 million and 85,000+ retail touchpoints, faced rising, sophisticated fraud risks—device spoofing, account takeovers and social engineering—that outpace traditional KYC. To strengthen its existing in-house ML-based device fingerprinting (which already assesses over 1,000 data points), ZestMoney selected SHIELD and deployed SHIELD’s Device Intelligence as a supplementary security layer.

SHIELD’s Device Intelligence added unique device identification and Trust Indicators, leveraging thousands of device-based signals to complement ZestMoney’s AI decision engine. The combined solution improved risk profiling and credit approval decisions, enabling ZestMoney to safely expand credit to new-to-credit and underbanked customers while keeping fraud minimized and supporting scalable credit inclusion — benefits delivered through SHIELD’s device intelligence capabilities.

ZestMoney

Natalia Lyarskaya

Chief Data Officer