Fintech - Blog de JuicyScore

JuicyScore ayuda a las empresas fintech en México a gestionar el riesgo y mejorar la calidad de la originación de préstamos, incluso con tráfico inestable.
La segmentación efectiva y el filtrado de solicitudes de alto riesgo brindan una base sólida para un crecimiento sostenible.

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The rapid development of digital finance in Mexico has made the market especially attractive for innovative players. However, new companies—especially those operating for less than a year—struggle to compete with more established players. Many lack a mature antifraud infrastructure, and the fast-changing market demands rapid adaptation. To stay competitive and ensure sustainable growth, it’s critical to identify high-risk segments early and minimize losses during business scaling.

JuicyScore has become a key tool for several fintech companies in Mexico processing 15,000 to 30,000 applications per month. It enabled them to identify weaknesses in incoming traffic and rapidly build an effective risk assessment system, including high-risk traffic filtering — without complex or costly in-house development.

## High Volume – Low Transparency

A major challenge was unstable traffic quality. A significant portion of applications came from foreign IPs and masked network setups, including VPNs and proxies. This type of traffic exceeded typical market levels by 50–300%, and the device/network configurations signaled attempts to obscure real digital footprints, which impacts both risk levels and collection prospects.

Device quality scores — based on JuicyScore’s proprietary methodology — were 40% lower than the market average. This directly affects credit risk, re-loan conversion, and the ability to achieve sustainable unit economics.

## Technical Anomalies & Repetitive Traffic

The unstable traffic flow also featured a high share of technical anomalies, emulators, and randomizers.
Reuse of devices and IP addresses was 50%+ higher than the market norm.

Additionally, many loan applications were submitted from identical digital environments — often used across multiple lenders — but rarely led to actual loan approvals. This indicated the presence of low-quality, recycled traffic.

## Solution: Risk Segmentation with JuicyScore

JuicyScore helped clients implement precise filtering of high-risk applications using a combination of behavioral and technical attributes:

- Thresholds combining behavioral markers and low-quality device indicators
- Flags for poor network infrastructure paired with suspicious device behavior
- Session clones, browser anomalies, language settings
- High volume of short-term loan requests + volatile device parameters
- Battery behavior markers
- Risky IP usage types
- Key variables included frequency metrics, battery behavior analytics, and IP type profiling.

## Results: Risk Control & Improved Efficiency

JuicyScore enabled young alt-lending companies to significantly improve the quality of incoming traffic and gain better control over early-stage risks.

Outcomes included: detection of up to 5% of loans with 2x+ elevated risk.detection of up to 5% of loans with 2x+ elevated risk. This allowed clients to reduce portfolio risk, increase re-loan conversion, improve unit economics for new borrowers, and scale operations without proportional growth in losses.


This allowed clients to reduce portfolio risk, increase re-loan conversion, improve unit economics for new borrowers, and scale operations without proportional growth in losses.

Portfolio analysis over time showed:

- Higher average revenue per borrower due to lower default rates
- More flexible product targeting based on behavioral and technical segmentation

JuicyScore proved to be a lightweight yet powerful antifraud solution that helped young lenders build robust risk strategies without heavy infrastructure investments — strengthening their market position in a competitive environment.

JuicyScore helps fintech companies in Mexico manage risk and improve loan issuance quality, even with unstable traffic. Effective segmentation and filtering of high-risk applications provide a solid foundation for sustainable growth.

How JuicyScore Drives Fintech Growth in Mexico

Cómo JuicyScore impulsa el crecimiento fintech en México

La alta competencia entre las empresas de tecnología financiera y su disposición a la transformación e innovación constantes permiten competir con éxito por el liderazgo en el segmento de préstamos y aumentar la participación de mercado. Los socios confiables ayudan a que este crecimiento sea más sostenible. La empresa internacional fintech ID Finance México (marca MoneyMan: moneyman.com.mx) coopera con JuicyScore, líder del mercado en gestión de riesgos y soluciones antifraude, desde hace aproximadamente 3 años. 

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金融科技公司之间的高度竞争和它们对不断变革和创新的准备使它们能够成功争夺信贷领域的领导地位并增加市场份额。可靠的合作伙伴帮助把这种增长变得更稳定的。国际金融科技公司ID Finance Mexico（品牌 MoneyMan: moneyman.com.mx）与风险管理和反欺诈解决方案市场领先企业JuicyScore合作已经3年了。

与市场上的其他解决方案相比，JuicyScore的优点更为显著： 稳定的ID设备和高信息量的数据向量最终使该解决方案成为公司决策策略不可或缺的一部分。此外，该解决方案还极大地强化了与欺诈风险预防任务和公司评分模型相关的技术堆栈。 

模型中的哪些变量表现更好的？

ID Finance Mexico的风险总监Dmitri Mikolauskas介绍了与JuicyScore合作的经验说，通过将与用户在网站上的行为相关的变量（如鼠标移动距离、鼠标移动速度、停留时间、屏幕空闲时间等）组合加入预测模型，使模型的分辨能力提高了1.4倍。

Dmitri Mikolauskas也表示， 根据A/B测试的结果，包括最新一代JuicyScore数据的预测模型的更新版本显示出显著的效果，成功将新申请的批准率提高了1.5倍，同时保持了风险管理领域的指标不变。

ID Finance集团公司与JuicyScore在墨西哥和其他国家进行合作。 作为高质量的风险管理和反欺诈解决方案， JuicyScore在欧洲和亚洲市场上取得了成功。 其独特特点是设备测量技术，用于创建设备的概率指纹和设备验证，同时不涉及在线用户的直接标识信息处理。JuicyScore公司的解决方案允许更详细地分析在设备级别或在互联网会话范围内出现的风险。

JuicyScore的产品开发经理Alexander Akhlomov认为，尽管拉丁美洲国家的银行贷款市场相对较发达，但仍然有数百万当地居民（包括墨西哥）无法自由获得传统融资产品。ID Finance 公司提供一整套金融产品，旨在扩大金融服务的覆盖范围，以为那些无法获得高质量银行产品的人（unbanked population）或只有有限银行服务的人（underbanked population）提供服务。通过技术的发展和创新产品的推出，该公司为消费者提供个性化解决方案，并在该地区成为市场的领先参与者之一。

不需要存储或处理真实用户的直接标识符的好在哪里？

自然人的直接标识符包括身份证、全名、完整电话号码、完整银行卡号、照片、电子邮件地址等数据，其用于确定个人身份或与用户建立直接联系。尽管公司对IT基础设施进行了巨额投资并采取了组织措施，但不幸的是，直接标识符、联系信息和敏感数据被欺诈分子偷走的情况并不罕见。所有这些情况可能导致信息丢失并对所有参与者造成财务损失。

MoneyMan MX是什么？

ID Finance Mexico是 一家国际金融科技公司，在世界各国提供紧急贷款服务。属于该集团的 MoneyMan 品牌向其客户提供最高为 15,000 墨西哥比索的发薪日贷款（ PDL） 产品，还款期限最长为 90 天。作为拉丁美洲的领先企业，该公司提供另类贷款的产品并解决拉丁美洲地区的金融包容性问题。小额贷款在金融服务市场占有一席之地，而小额金融机构已经成为一个重要机构，能够解决许多社会和经济问题。


金融科技公司之间的高度竞争和它们对不断变革和创新的准备使它们能够成功争夺信贷领域的领导地位并增加市场份额。可靠的合作伙伴帮助把这种增长变得更稳定的。国际金融科技公司ID Finance Mexico（品牌 MoneyMan: moneyman.com.mx）与风险管理和反欺诈解决方案市场领先企业JuicyScore合作已经3年了。


MoneyMan MX与JuicyScore一起将批准率提高了1.5倍

Technological agility helps fintech leaders to stand out from competition and increase the market share. Strong and reliable partners make this growth even more sustainable and significant. ID Finance in Mexico (MoneyMan brand - moneyman.com.mx) has been cooperating with JuicyScore, risk management and antifraud leader, for the last 3 years.

In comparison with other solutions JuicyScore has a number of benefits, such as stable Device ID and highly informative data vector, which allowed JuicyScore to become a part of the Company's decision making strategy. Moreover JuicyScore let to strengthen risk management technological stack and company's scoring models.

## Which variables performed best on being plugged into the model?

Dmitry Mikolauskas, Risk Director at ID Finance Mexico has shared his experience of working with JuicyScore team: “We managed to increase our model separating capacity 1,4 times, adding to the predictive model combinations of variables related to user behaviour on the web-site. For example, cursor distance covered, cursor movement speed, time spent on a web-page, screen idle time, and device quality segmentation.”

Dmitry Mikolauskas also noted “According to A/B test results of the predictive model, which included JuicyScore latest generation technologies, the updated version showed significant effect, which let us to increase new applications approval rate 1,5 times, given that risk management metrics remained at the same level.”

Group of companies ID Finance is currently cooperating with JuicyScore in Mexico and a number of other countries, for JuicyScore had already showed a great performance on the markets of Asia and Europe. JuicyScore distinctive feature is unique devicometry technologies, that help to build probabilistic device fingerprint and device authentication as well as does not store, process or even uses online users direct identifiers. JuicyScore solutions really helps to thoroughly deal with the risks, occuring on a device level or within the frames of an internet session.

Alexander Akhlomov, Chief Product Officer at JuicyScore believes that despite the fact that LatAm bank lending market may be considered to be rather developed, millions of people living in this region still do not have access to traditional financial products. ID Finance offers financial products range designed for financial access improvement of an abundance of the so-called “unbanked” on “underbanked” population - i.e. those people, who do not have access to banking products or have a range of limitations. By means of technological development the company offers tailored solutions for the consumers and has strongly taken place of one of the leading fintechs in the region.

## What are the main advantages of such approach?

Natural persons' direct identifiers include identity document information, full name, full phone numbers, full bank cards numbers, photos, email addresses and other data sources, which allow to directly identify an individual or build a direct system of communications with a user. Despite huge investments of companies in IT infrastructure and organizational measures, in some cases direct identifiers, contacts and sensitive data breach may happen, which usually leads to reputational and financial losses for all the parties.

## About MoneyMan MX

ID Finance Mexico is an international fintech company offering term loans in various countries around the world. The MoneyMan brand, part of the group of companies, offers its customers a PDL product of up to MXN 15,000 with maturities of up to 90 days. The company deals with the issues related to financial inclusion in Latin America, being one of the key players in the region offering alternative lending products.

Technological agility helps fintech leaders to stand out from competition and increase the market share. Strong and reliable partners make this growth even more sustainable and significant. ID Finance in Mexico (MoneyMan brand - moneyman.com.mx) has been cooperating with JuicyScore, risk management and antifraud leader, for the last 3 years.

MoneyMan MX leverages JuicyScore to increase approval rate x 1.5 times

MoneyMan MX aumenta 1.5 veces su tasa de aprobación con JuicyScore

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Fintech - Blog de JuicyScore

A collection of 2 posts

Cómo JuicyScore impulsa el crecimiento fintech en México

MoneyMan MX aumenta 1.5 veces su tasa de aprobación con JuicyScore

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