LENDBETTER BY MOBILEWALLA

Approve more new-to-credit borrowers without raising default risk

Vertical AI for digital lending: alternative-data credit scores, fraud signals and real-time enrichment for thin-file customers.

2.2B

unique mobile devices

50B+

signals processed daily

200+

predictive credit & fraud features

2–6 wks

typical API integration

Bureau data misses many of your best applicants

Traditional credit systems rely on static, bureau-heavy data that misses real-time risk and leaves thin-file and new-to-credit consumers unscored. LendBetter is a Vertical AI built for digital lending, plugging alternative behavioural intelligence and AI-powered risk reasoning straight into your underwriting, fraud and credit decisioning workflows.

Approve more good borrowers: score applicants with no credit history using 200+ predictive alternative-data features.
Lower default risk: add real-time device, behavioural and location-derived signals to your existing models.
Stop fraud earlier: flag identity mismatches and high-frequency loan application behaviour before you disburse.

Expanding Credit Access with AI-Powered Risk Intelligence

LendBetter helps lenders underwrite consumers who are invisible to traditional systems by combining alternative behavioural intelligence with adaptive AI-driven risk analysis.

Maximize Loan Approvals

No credit history, not a problem. LendBetter fills the gap with highly predictive features and risk scores based on high quality alternative data.

Understand and Manage Default Risk

Our privacy compliant device, demographic, psychographic, and behavioral features provide a complete picture for credit assessment and default risk.

Reduce Risk of Fraud and Boost Collections

Compare customer inputs on KYC forms with our data, and enrich your internal data sources to improve your collections processes and recovery.

The Covariate API

The Covariate API is a REST API that provides a real-time call to the LendBetter data. Input to the API is country and device ID, the API then returns json-encoded responses that have standard HTTP response codes.

Covariate API Process

Customer Set-Up: Customer requests Covariate API access, Mobilewalla will validate customer account, customer then sets up data ingestion using the API client token and related documentation
Request API Endpoint: The customer applications calls the required dataset endpoint and passes the country, device IDs and client token
Receive Response: Receive the data fields as a response for the device IDs available in the Mobilewalla database

Quality, Validated Fintech Data

We maintain the most comprehensive data repository in the industry:

2.2 billion unique mobile devices in over 40 different countries, generating 50B+ signals daily
Aggregated from app publishers, third-party data providers and other anonymized, privacy-compliant sources
Cleansed and maintained with a combination of deterministic, artificial intelligence, and machine learning techniques

Mobilewalla’s accurate, high-quality, privacy compliant data provides the ideal inputs for creating profiles, performing data analysis, training predictive models, and more.

See LendBetter on your own customers

Share a list of device IDs and we'll return LendBetter features and risk scores for your customer set, so you can test the lift against your current model before you integrate.

Frequently Asked Questions about LendBetter

Common questions we get from lenders and operators in the fintech ecosystem.

Who is LendBetter designed for?

Mobilewalla LendBetter is designed for digital lenders, BNPL apps, micro-finance platforms, digital banks, and consumer credit companies operating in emerging markets like India, Southeast Asia, and MENA.

What problems does LendBetter solve?

Mobilewalla LendBetter helps lenders identify creditworthy customers with limited credit history, reduce default risk, and prevent fraud using 200+ predictive features derived from mobile device intelligence and geo-spatial mappings.

What data sources does LendBetter use?

LendBetter uses device-level metadata, app usage, location-derived insights, SMS-derived financial signals (with SDK), amongst others, always in a privacy-compliant way.

Does LendBetter collect personal data?

No. LendBetter operates on pseudonymized device identifiers (MAIDs) and does not access personal messages, photos, or contacts.

Is LendBetter privacy-compliant?

Yes. Mobilewalla LendBetter strictly complies with regional regulations such as GDPR, DPDP (India), and PDPA (SEA).

Does LendBetter store user data?

Only anonymized features used for model improvement are stored; no personally identifiable information or raw SMS content (if using the SDK) is retained.

What is an “Alternative Credit Score”?

An alternative credit score is a predictive score built using behavioural and device-risk indicators that estimate repayment likelihood and default probability for thin-file and new-to-credit (NTC) borrowers. Mobilewalla LendBetter provides this for digital lenders operating in emerging markets of India, APAC, MENA, and LATAM.

How can LendBetter be used to detect fraud?

Mobilewalla LendBetter includes a set of predictive features that help identify fraud patterns like identity mismatches and high-frequency loan application behaviour.

Can I use only the fraud features without credit scoring?

Yes. The Mobilewalla LendBetter platform is modular: you can integrate only risk, only fraud, or both.

How does Mobilewalla LendBetter help with customer acquisition and with reducing CAC?

LendBetter reduces acquisition costs by helping digital lenders target high-quality, high-intent audiences and identify likely good borrowers before acquisition. This means more of your marketing spend goes into users who are more likely to convert. Predictive features such as device stability and app affinity help identify a more targeted set for your campaigns.

How does LendBetter integrate with my internal systems?

LendBetter integrates via the Mobilewalla REST API called Covariate, with an option of adding a lightweight SDK (used for optional SMS parsing). Integration typically takes 2–6 weeks.

Do you offer POCs or pilots for LendBetter?

Yes, a POC is arranged for prospective customers as part of the evaluation process. Typically, we ask prospective customers to use our data samples, which we provide for their customer set (a list of MAIDs). We can also expand to in-production pilots after the POC (with mutually agreed scope and pricing) and a deeper data-science partnership if labelled repayment data is shared with us.

Which countries does Mobilewalla LendBetter support?

Mobilewalla LendBetter supports India, Indonesia, Philippines, Vietnam, Thailand, Malaysia, UAE, Saudi Arabia, Mexico, and other emerging credit ecosystems.