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Periculum: How AI Is Used in Fraud Detection

1. Introduction to the company:

Periculum is a leading provider of AI-driven data analytics solutions focused on underserved markets. Its platform leverages machine learning and data-driven analytics to empower financial institutions to make better and faster credit decisions. By bridging the credit gap in Africa, Periculum aims to promote financial equality and inclusion, enabling more individuals and businesses to access essential financial services.

2. Features of the product/platform:

• AI-Powered Credit Scoring: Utilizes machine learning models to provide accurate credit scores.
• Fraud Detection: Identifies suspicious behaviors and unauthorized transactions using predefined rules and models.
• Customer Segmentation: Analyzes customer data to create targeted marketing and service strategies.
• Data Enrichment: Extracts and enriches financial data from customers' mobile devices for better profiling.
• Predictive Modeling: Uses predictive analytics to forecast customer behavior and trends.
• Real-Time Analytics: Provides real-time insights into financial data for informed decision-making.

3. Challenge the company is solving:
Periculum addresses the significant credit gap in Africa, where many individuals and businesses lack access to financial services due to inadequate data, no credit history, and high rates of nonperforming loans. Its platform helps financial institutions overcome these challenges by providing accurate credit assessments and reducing the risk of lending.

4. Benefits of using the product/platform:

• Improved Credit Access: Enables more individuals and businesses to access credit.
• Reduced Risk: Minimizes the risk of nonperforming loans through accurate credit scoring and fraud detection.
• Enhanced Customer Insights: Provides deeper insights into customer behavior and preferences.
• Operational Efficiency: Automates data processing and analysis, saving time and resources.
• Scalability: Supports large volumes of data and transactions effortlessly.

5. Recommendations on how to best use the product:

• Integrate with Existing Systems: Seamlessly connect Periculum with your current financial systems.
• Leverage Predictive Modeling: Use predictive analytics to forecast customer behavior and trends.
• Monitor Real-Time Analytics: Regularly review real-time insights to make informed decisions.
• Utilize Data Enrichment: Enhance customer profiling with enriched financial data.
• Implement Fraud Detection: Use fraud detection features to identify and mitigate risks.

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