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Mobile Indicators

Mobile scoring: we use mobile operator data to generate scores and analytics that help assess risk, prevent fraud and improve financial decisions.

See how it works
Check a mobile scoreSimulation using sample data. No real line information is queried.
300Mobile credit score
  • Risky300–629
  • Fair630–689
  • Good690–719
  • Excellent720–850
Line tenure—
Top-up frequency—
Payment behavior—
Contact network—
+0MMobile users in Mexico
0%Of users: 60% Telcel and 16% Movistar
0%Prepaid users
0%Postpaid users

We turn mobile behavior into actionable intelligence. To drive financial results

What are they?

Variables or scores with descriptive, measurable characteristics based on the behavior of a mobile operator's phone line. Reliable sources that help you know your users better.

  • Simple integration via REST APIs
  • No apps or external SDKs to install
  • No raw or personal data is sold

From network signal to decision

This is how each query travels: from your system to the operator's network and back, turned into a variable or score ready for your decision model.

No raw or personal data is sold. Simple integration via REST APIs, with no apps or external SDKs to install.

Decisions based on real data. Better accuracy in risk assessment

Generate unique insights

Information you can't get from any other source on the market. Exclusive visibility into real mobile behavior.

Assign numeric values

The line number is assigned a value tied to a mobile variable or score, so any application can be assessed automatically.

Real-time decisions

Millisecond responses for origination, risk assessment and collections campaigns. Architecture built for enterprise volume.

Types of mobile scores

Security, compliance and certifications

We operate critical platforms under international standards for information security and payment data handling.

Seal PCI DSS

PCI DSS

Compliance with security standards for the secure handling of payment data.

Seal SOC 1 Type II

SOC 1 Type II

Audited internal controls over the processes that impact our clients' financial information.

Seal ISO 27001

ISO 27001

Information security management system based on international standards.

Seal CyberGRX

CyberGRX

We assess and manage third-party risk for a more secure supply chain.

Connects with everything else

Screenshot of Ordenaris
E-commerce

Ordenaris

E-commerce, point of sale and inventory in a single platform.

Explore Ordenaris
Screenshot of Kreditera
Loans

Kreditera

A financing and loan origination ecosystem.

Explore Kreditera
Screenshot of Payor
Transactions

Payor

Gateway hub, AI-powered anti-fraud and certified processing.

Explore Payor

Shall we put it to work in your business?

We respond within 24 business hours with a concrete proposal.

What are mobile indicators?

Mobile indicators (mobile scoring) are variables and scores generated from a mobile line's behavior, using mobile operator data. With just the phone number, your system queries via REST API and gets a value back in milliseconds to assess risk, prevent fraud, and make origination or collections decisions.

Who it's for

Banks, lenders, fintechs, and retailers that extend credit, especially to customers with no credit history, and risk, fraud prevention, and collections teams that need to make real-time decisions with information beyond the credit bureau.

Benefits

  • Unique data. Signals from real mobile behavior that you can't get from other sources on the market.
  • Response in milliseconds. Architecture built for enterprise volume.
  • Simple integration. REST API, with no apps or external SDKs to install.
  • Privacy. No raw or personal data is sold.

Frequently asked questions about mobile indicators

What data is used to generate the score?

Measurable signals from the line's behavior, such as tenure, top-ups, and payments, which are turned into variables and a score. No raw or personal data is sold.

Can it be used to assess customers with no credit history?

Yes. Because it's based on mobile line usage, it lets you assign a risk value to applicants who have no credit bureau history.

What types of scores are available?

Mobile variable, to add a signal to your model; mobile score, which combines multiple continuously validated variables; and custom score, designed for a specific use case in your business.

How does integration work?

Your system sends a query with the line number via REST API and receives the response in milliseconds. There's no need to install apps or SDKs on the customer's phone.

What decisions is it used for?

For loan origination, risk assessment, fraud prevention, and collections campaigns, within your model or your decision rules.