The Covariate API is a cloud-based infrastructure service that provides access to Mobilewalla’s repository of consumer behavioral data and features through an application programming interface. Mobilewalla customers can ingest data and features in real-time through the Covariate API.
The Covariate API transmits Mobilewalla data that can be transformed into features, through a feature engineering process, as well as the collection of predefined features available from the Mobilewalla Feature Mart.
The Covariate API is a component of LendBetter, Mobilewalla’s data solution for emerging markets (primarily India and Southeast Asia) financial technology companies whose data science teams who aggregate this data to enrich their existing data and for feature engineering, ultimately using this data as part of their machine learning and predictive modeling efforts to create models and do statistical analysis and generate data analytics to help optimize lending risk, minimize fraud and acquire new-to-credit borrowers and understand the resulting business risk from their lending activities.
Mobilewalla aggregates data from multiple sources, then applies data cleansing and fraud detection measures with a combination of deterministic, artificial intelligence, and machine learning techniques to generate attributes and features which can be used to make predictions, enhance existing data or perform analysis.
Privacy and compliance is in everything we do, from the data we acquire, to our products and solutions. Data is acquired from third parties in the digital ecosystem including publishers, demand side platforms (DSP), data management platforms (DMP) and data aggregators.
Mobilewalla operates under a rigorous privacy and consent framework. We do not have sensitive or personally identifying information such as name, address, phone number, email, government-issued identification numbers, sexual orientation, political affiliation, or credit card number.
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