Scoreplex Blog
Stay on top of KYB compliance and AI-powered verification with the latest insights from our team
Whitepaper: AI in Compliance Operations: How AI Agents Reduce KYB Bottlenecks and Manual Work
AI agents reduce KYB bottlenecks by converting web presence signals, documents, and adverse media into structured, evidence-linked, audit-ready case files, cutting manual workload and improving decision consistency.
Scoreplex
February 4, 2026
Top 35 Alternative Data Providers for Risk Scoring and Fraud Prevention
For decades, creditworthiness was defined by a narrow set of financial indicators. In the United States, credit bureaus like Experian, Equifax, and TransUnion—together with FICO scores—established the benchmarks lenders used to decide whether to extend credit. These models relied on a consumer’s history of loans, mortgages, and credit card repayments. While effective in mature financial markets, this approach leaves massive blind spots in today’s economy. First, traditional bureau data excludes
Scoreplex
October 17, 2025
Email Intelligence: Turning Signals Into Decisions
Why Emails Are Powerful Identity Anchors Think for a moment about your own email address.Maybe you created it back in college. Maybe it’s the one you’ve carried with you through jobs, apartments, relationships, and countless password resets. It’s the login you still use for Netflix, Amazon, LinkedIn — maybe even your bank. That single string of characters has silently followed you through every corner of the internet. Unlike phone numbers that change when you switch carriers, or home addresses
Scoreplex
September 23, 2025
Top 10 Fraud Prevention Tools, Products, and Solutions 2025
Imagine a fintech startup that launches in Buenos Aires. Within its first year, they blow past growth targets—signing up thousands of customers a week. Then, quietly, their chargeback rates climb, mysterious accounts created using synthetic identities rack up unpaid loans, and their operational costs swell. Investors start asking tougher questions: “What’s your fraud prevention strategy?” and “How do you verify who your users really are before you onboard them?” This kind of scenario is becomin
Scoreplex
September 18, 2025
What is pre-KYC screening and how it works
For years, fraud prevention has largely been reactive: businesses let users sign up, complete onboarding, even pass through verification checks—and only then investigated suspicious patterns. But fraud no longer works at that pace. Today’s fraudsters use automation, stolen credentials, synthetic identities, and even AI-generated profiles. By the time they’re caught, the cost of verification has already been wasted, and the damage may be done. This is where pre-KYC screening comes in. In simple
Scoreplex
September 10, 2025
Synthetic Identity Fraud: Signs, Risks, and How to Protect Against It
Synthetic identity fraud has emerged as one of the most pervasive and challenging forms of financial crime today. Unlike traditional identity theft, where a criminal steals and uses a real person's information, synthetic identity fraud involves creating a completely new identity by combining real and fabricated data. This blend of authentic and fictitious information makes it exceedingly difficult to detect, allowing fraudsters to exploit financial systems over extended periods before being iden
Scoreplex
September 3, 2025
Top 10 Reverse Email Lookup Tools, Products, and Solutions
Reverse email lookup has become an invaluable technique for businesses and investigators to uncover the person or organization behind an email address. In simple terms, a reverse email lookup means starting with an email and finding information about its owner. This could reveal the person’s name, social media profiles, contact details, and other digital footprint elements tied to that email. Over the years, the technology has evolved from manual Googling and checking social networks into sophis
Scoreplex
August 27, 2025
How to Detect Fake Accounts: A Comprehensive Guide
In 2024, global scams reached unprecedented levels, with over $1 trillion lost worldwide, marking a significant increase from previous years. This surge is largely attributed to the proliferation of fake accounts across various platforms, including social media, e-commerce, and financial services. These fraudulent accounts are not only used for spam and misinformation but have become central to sophisticated identity fraud schemes. The financial impact is staggering. In 2025, the global cost of
Scoreplex
August 21, 2025
What is Digital Footprint analysis?
Digital footprints are the trails of data users leave behind as they move through the online world. These traces can include everything from email activity and IP addresses to browser settings and device metadata. Every digital interaction helps shape a virtual profile that evolves over time. Unlike static identifiers like government-issued IDs, digital footprints are dynamic and constantly changing. They reflect real-time behaviors, offering a more nuanced view of a person’s digital identity.
Scoreplex
August 15, 2025
Webinar with Ginimachine by HES: August 14, 2025
Beyond the Score: How Alternative Data Transforms Credit Decisions Live webinar | August 14 | 16:00 GMT+3 | 30 minutes Discover how alternative data is reshaping modern credit risk strategies — with real-world insights from GiniMachine and Scoreplex. REGISTER What You’ll Learn In today’s digital world, traditional credit scoring just doesn’t cut it anymore. Millions remain unscored or misjudged due to outdated models, limited bureau data, or thin credit files. This free 30-minute session
Scoreplex
August 6, 2025
Scoreplex H1 2025 Product Update: New Scoring Model, Smarter IP Checks, and More
Hi from the Scoreplex team, We’re thrilled to introduce our H1 product update — a major step forward in making fraud prevention more transparent, customizable, and automated. From a brand-new rule-based scoring engine, IP intelligence, phone/email/name cross matching to deeper identity consistency checks and enhanced email risk analysis, we’ve added powerful tools that give you more control and insight at every verification step. Let’s walk through the key improvements: New Scoring Model –
Scoreplex
July 28, 2025
Alternative Credit Scoring: Building Trust from Digital Footprints
In the 20th century, credit was a simple, rule-bound system: you either had a credit history or you didn’t. You were either in the system or out. If you had no loans, no bank-issued credit cards, and no accounts in good standing with reporting agencies, then it didn’t matter how responsible or financially stable you were—lenders saw you as a risk. A blank page, to them, was worse than a bad one. But in 2025, that model is not just outdated—it’s harmful. Today, over 3 billion people around the
Scoreplex
July 7, 2025
Leveraging Rent and Utilities Payment Data for Enhanced Fraud Prevention and Credit Scoring
In recent years, rental payment data has become increasingly recognized as a powerful indicator of an individual's creditworthiness. Regular, timely rental payments demonstrate clearly a borrower's financial discipline, reliability, and willingness to meet their debt obligations fully and punctually. Research from the Urban Institute further supports the importance of incorporating rental payment history into traditional credit scoring models, such as the widely-used FICO score. Their findings
Scoreplex
June 19, 2025
How Digital Footprint Analysis Enhances Fraud Prevention and Credit Scoring
A 'digital footprint' refers to the vast collection of data individuals leave behind through their online activities—both intentionally and unintentionally. Many people underestimate the extent and detail captured in their digital footprints, yet this information proves incredibly valuable for alternative credit scoring and fraud prevention. Digital footprints encompass a wide range of online activities, including registered online accounts, forum participation, social media interactions such a
Scoreplex
May 21, 2025
Leveraging Social Graphs for Fraud Prevention and Credit Scoring
A social graph is a visual and mathematical model illustrating the interconnections and relationships among individuals within a social network. These graphs reveal personal bonds, group affiliations, and interactions, forming the backbone of today's major social media platforms. Facebook, for example, has famously maintained the world’s largest and continuously evolving social graph since 2010. In the realm of credit scoring and fraud detection, social graphs have emerged as powerful tools. T
Scoreplex
April 24, 2025