Automatisation in Risk Management has long been a necessity - risks in online business keep growing immensely, while manual data processing is unable to guarantee effective protection from online fraud.

We are constantly searching for cutting-edge informative data, which provide our clients with the opportunity to assess credit and operational risks really effectively. We discover new attributes, which improve quality

Remote access technologies are very popular in the IT industry. The scenario of remote access application is quite extensive: testing programs, solving technical issues, remote work setup. However over the

Virtual machine may be a great instrument for dealing with issues related to data protection and safe program delivery, code testing, software performance research. However, the use of such technologies

For many years we have been working really hard to ensure our products bring maximum benefit in terms of borrowers evaluation and risk assessment. In many financial institutions, micro lending

Dear friends and partners! We are delighted to inform you about one of the most important events of this year: we have released a new set of products, combined into

The challenges of online traffic filtering and fraud protection arose in parallel with the spread of the Internet and have gone beyond the usual solutions for online business. A significant role in fraud protection at the moment is played by device reputation and the anomalies related to it. In present material we would like to shed light on some of the most effective ways of solving these problems and also to present our vision of Device ID usage trends.

Covid-19 pandemic has fundamentally affected the development of many online and offline businesses and healthcare has become an area of massive interest. Experts believe that embedded finance platforms for healthcare

BNPL market is now growing by leaps and bounds and investors keep showing that they are really interested in it. According to Grand View Research , by 2028 market size is

One of the fundamental principles which guide our working process is a constant search for useful and informative data, which help our clients and partners to achieve better results in

The year 2021 gone by and speeded up the processes that many companies were trying to implement before and also shed light on some new challenges and opportunities. We have

Online companies are constantly searching for the new methods of customer acquisition as well as new ways of services provision on the financial market. However, speaking about online business in

Dear Friends! JuicyConf 2021 was held 8-10 September, it was devoted to the new trends and risks in digital risk management. All the guests who attended the event — risk managers

Most companies that create antifraud solutions for online business do not disclose their methods and technologies of high risk patterns and behaviour markers identification. We at JuicyScore have different point

We are looking for business development manager, based in Russia to join our international team. The candidate must have high level of self-discipline and capable to effectively collaborate with distributed Team. At least 2 years experience in b2b sales/business development is the must. There is an opportunity for promotion in the next 12-24 months to lead business development team in the region.

Dear friends and partners! We are proud to inform you about a remarkable event of this year: a few days ago we launched a new generation of JuicyScore API. We

Despite a slight slowdown in microfinance sector during the pandemic period some experts prognosticate the rapid growth of microfinancial industry in the next 5 years due to the rise and

The past decade has seen a series of technological breakthroughs which opened many opportunities for the fintech industry and took it to new heights. The Covid-19 pandemic has had a

We always pay attention to the details related to the business of our clients and also try to keep abreast of the latest trends in the data market to make

Technological change, revealing and adding new features to our products is the very nature of the JuicyScore team. No false modesty, we help our clients to achieve tangible and quantifiable

In times of crisis, when the markets drop, one of the key goals of any company is to maintain long-term and time-tested partnerships. This is especially important when the crisis affects a huge number of areas, industries, countries and macroregions, when the usual models and rules suddenly stop working, and there is a minimum of time to build new ones.

We are pleased to announce the launch of the next generation of our JuicyScore product - APIv12. The new generation is not just a serial number increased by one, it is a number of important changes to the product in terms of its information value and effect for our partners and customers. Our approach remains unchanged - we do not use any personal data and direct customer identifiers and continue working on Internet security for financial market.

Today, when technology is developing rapidly, and people are more and more immersed in the world of mobile devices, there is more and more talk that traditional service providers, especially financial ones, will give way to young and more mobile fintech companies (online lenders and neo-banks). In addition to fintech companies that have already become part of the financial services world, we should not forget about large Internet companies, both global (Google, Amazon, Facebook and Apple, so-called GAFA), and local, which have a large share in each separately selected country or group of neighbouring countries, for which financial services are not the main and significant source of revenue. These companies have accumulated a huge client base and an array of information for each client, and they already offer various financial services that were previously considered traditionally banking.

In our publications, we have raised the issue of privacy and anonymity when working on the Internet multiple times, as well as the issue of access to various types of services. In one of our previous articles (https://juicyscore.com/blog/en/security-vs-privacy-in-search-of-a-fair-balance-en/) we wrote about why users tend to limit monitoring of their online activity. Today we will continue the conversation about anonymity and privacy, in particular, we will talk about cases where the anonymity of the user directly or indirectly does not mean additional protection, but becomes a tool for unfair behaviour and obtaining services illegally.

With the development of technologies, human life is accelerating in  all areas: we have to process a lot of information on our way to the  office, while waiting in the queue for a cup of coffee and even while  reading a book to your child. We are precipitately switching to mobile  devices to keep up with our working processes and we turn on our PCs  less and less often. Read in our new article how to maintain sales on  the same level or even increase them and reduce risks while living at  this tempo.

In November 2019 we were demoing at Finovate for the third time – it was Finovate Middle East in Dubai. Similar to previous Finovate conferences which we had honour to be invited in 2018 we keep showing non-personal data efficiency and secure use of biometry for authentication and risk evaluation.

The modern world has moved online since years, having extended and in some spheres even completely taken the place of the offline reality. We can now see an interesting line of thinking in some contemporaries’ discourse — if you cannot find any information about something on the Web, for most people it will mean this thing does not exist at all.For many of us, the search and easy finding of a product or a financial service on the Web starts by touching the browser icon on our smartphone, yet few people ever think about the way the request goes, which server logs the information about it remains in, which DNS server would open the way to the required web resource, and all that happening behind the scenes. Even less people think of the risks that may lurk in wait during Internet surfing.

We are glad to introduce our new big API update launch. We have focused as usual on raising impersonal data informational value for better decision-making. We have significantly raised the service value using new data, new device authentication technologies and more powerful fraud prevention score.

Last year Russia showed unprecedented speed of credit obligations growth. The total outstanding balance for all types of loans reached 14.9 trillion rubles. The speed of lending growth is still high which leads to new challenges for risk management. Debt refinance and consolidation programs offered by financial institutions and regulator’s actions aimed to control the debt burden are the evidence of general concern.

We’ve been telling enough about the advantages of alternative data and risks associated with collecting conventional data on your borrowers. Today we will demonstrate how personal data usage can not only turn into risk and damage for the financial institution’s working process but also spell disaster for the whole business. We will draw on several cases from our experience, which are: Seasonal Aggravations, Fraudulent Brute Force Attacks, and the Black Swan. What are these risks and how to get protected?

_How long have you not been online today?_ _Since 2007, humanity stood on the path of Internet addiction.The famous “We have reinvented the phone” sounded 12 years ago on the presentation of the first iPhone. That phrase marked the beginning of a new era. The attitude towards information as well as the entire service industry have been changed and reinvented alongside with the possibility of unlimited and permanent Internet connection. Everything happens online today as every even a little self-respecting company should have a solid and functional website, complemented by a mobile application. Wi-Fi-networks development, the connection quality, and speed improvement provide the continual contact with customers._

In February, we published an article about how the psychotype affects credit service users financial behavior. In addition to that, in June, we launched a laboratory for the evaluation of non-personal data — psychotype.online . Today we turn back again to the topic of the psychotype influence on the borrower’s credit behavior and income assessment. Referring to our research, we will talk about various data types synergy to gather more information about the client.

A little over a year ago, we were raising the topic of online client identification. Today we are going to further discuss problems and present you our new technological solution, developed over the past time.

In May 18 we presented a new version of API v10, where more than 200 predictors and improved score model are now available to our clients. Com-paring to the previous v9 release more than 30 completely new predictors were added. One of the most important add-ons was the launch of new index variables, specially developed by machine learning methods. Empowered by significant prediction ability, they show certain charac-teristics of a device, Internet connection, as well as a number of other metrics and are ready for use in the client’s credit conveyor.

In our article about banks and financial companies development strategy we touched the subject of business growth speed and innovation adoption speed. Today we will continue this conversation and consider from a different angle: we will discuss the differences between banks and fintech companies in terms of operational management, and also how this affects product development process and effect for the customer.

Currently, an active reassessment is under way regarding the use of personal data in the number of regions worldwide. The new GDPR will enter into force in the EU, and this is likely to be only the beginning. We may expect new regulations on personal data – PSD3 and GDPR2 data in the next 3–5 years. Those directives are not specific to the EU. It is highly likely that we will see similar initiatives in other markets in the nearest future.

We continue our series of articles about the meaningfulness of data describing the behavior of users on the Internet. In this article, we announce the launch of a global research project dedicated to studying users’ behavior, psychological types, and credit risks. The results of many recent studies have revealed that a person’s psychological type has a significant influence on his/her credit risk. There are a number of reasons:

Dear friends,What a year it was, full of impressive accomplishments and discoveries! We are proud of the success of our customers and partners, who achieved growth more than double that of the market. In the coming year, we will be happy to continue helping you succeed in new markets and with new products.

When it comes to the ongoing tension between fintech startups and banks, there’s no shortage of speculation regarding who will come out ahead. While it may seem like these two entities are perpetually at odds, the truth is there’s actually a substantial number of industry players on both sides of the fence that are cooperating with each other.

We are pleased to announce the new JuicyScore API v.9.0.It combines the latest identification technology and more than 200+.

As you may have noticed, this is a topic we just couldn’t ignore. Thanks to the cryptocurrency market becoming, for better or worse, the latest media darling, the term “blockchain” seems to be on everybody’s lips. By itself, blockchain technology is a collective term that combines both the database (databases) containing information about owners and a number of technologies, such as blockchain (chain of transaction blocks) and distributed ledger technology. It is this sphere that receives the most attention, and the hype is deserved at the moment.

Nowadays, online behavioural data is Terra Incognita. But as the industry learns how to gain better long-term insights, this type of data can still lead to the results in the short term.

During a recent conversation with the head of a major financial holding companies, we touched on the influence of lead generators on the risks and the level of write offs in the financial sectors.