Solution Overview Advance.AI
For Banks, NBFCs, Payment Banks, Small Finance Banks, Wallets, Fintech and Online Businesses
ADVANCE.AI
Advance with Intelligence for a better life
ADVANCE.AI © 2020 | CONFIDENTIAL
ADVANCE.AI © 2020 | CONFIDENTIAL
CONTENTS
01 Who We Are
02 Our Products and Solutions 03 Why ADVANCE.AI
04 Contact Us
ADVANCE.AI © 2020 | CONFIDENTIAL
01
Who We Are
ADVANCE.AI is a leading big data and AI company in Asia helping to solve digital transformation, fraud prevention and
process automation for enterprise clients.
Sector focuses include banking, financial services, fintech, payment, retail, e-commerce, healthcare
We are committed to leveraging innovative technology and partnerships
to build an ecosystem of products and services to serve our customers.
ADVANCE.AI © 2020 | CONFIDENTIAL
Backed by notable VC firms from Silicon Valley and Asia, we have over 1500 employees and 12 offices and presences across 9 markets: Singapore, Indonesia, Philippines, Malaysia, Thailand, Vietnam, India Pakistan and China.
China India
Philippines
Singapore Vietnam
Indonesia Malaysia
Pakistan
Thailand China India
Philippines
Singapore Vietnam
Indonesia Malaysia
Pakistan
Thailand
ADVANCE.AI © 2020 | CONFIDENTIAL
4,000,000
APIs every day now
7 Aug
Established in Singapore Started Advance Guardian business in Indonesia.
Apr
Started collaboration with Indonesian unicorn---Gojek.
2016 2017
2018 2019
2020
By 2020, ADVANCE.AI expanded into six markets, namely Singapore, China, Indonesia, India, Vietnam and Philippines.
Jan
ADVANCE.AI joins Sheng Ye Capital and PhillipCapital in a bid for a wholesale banking license in Singapore.
Feb
ADVANCE.AI Indonesia secured landmark data security and protection certification-- The ISO/IEC 27001: 2013 Certification.
2020
Jan
Winner at the "2018 China Internet TOP 50 quasi-unicorns.”
Sep
ADVANCE.AI secures US$80 million in Series C funding led by Pavilion Capital and Gaorong Capital.
Nov
Top10 of Asia listed ADVANCE.AI as one of the top10 Singaporean big data companies.
Dec
Honourable mention 2019 Global Fintech Innovation TOP 50.
2019
Feb
Completed $50 million Series B from Vision Plus Capital.
Sep
CEO of BTPN (Bank Tabungan Pensiunan
Nasional) visited ADVANCE.AI in Beijing.
2018 2017 2016
Our Journey
8
1,500+
Employees
12
Offices
9
Countries
500
Customers
Great momentum on Our Business
9
Indonesia Office
Local Office – Incorporated in March 2017
One Wolter Place, Jl. Wolter Monginsidi No.63B, RT.1/RW.1, Rw. Bar., Kec. Kby. Baru, Kota Jakarta Selatan, Daerah Khusus Ibukota Jakarta 12180
Current Local Employee: 30+ staffs
Includes local Delivery (project management, data scientist), technical support, sales, pre-sales, operational support and keep expanding
Localized Product
Include OCR for KTP, KK, NPWP, Passport, Face recognition, Alternative data for credit scoring, blacklist and keep
innovating
Certified in ISO27001
10 Local Office – Incorporated in March 2017
One Wolter Place, Jl. Wolter Monginsidi No.63B, RT.1/RW.1, Rw. Bar., Kec. Kby. Baru, Kota Jakarta Selatan, Daerah Khusus Ibukota Jakarta 12180
Current Local Employee: 30+ staffs
Includes local Delivery (project management, data scientist), technical support, sales, pre-sales, operational support and keep expanding
Localized Product
Include OCR for KTP, KK, NPWP, Passport, Face recognition, Alternative data for credit scoring, blacklist and keep
innovating
Certified in ISO27001
Our Awards
ADVANCE.AI
ADVANCE.AI
ADVANCE.AI
ADVANCE.AI
ADVANCE.AI
2020
2020
2019
2019
2019
Our Clients
Banks
Fintech
Payment and eCommerce
NBFC /
Multi-Finance
Others
Use Cases
Pain Point: The customer on-boarding process was manual process can take up to 6 minutes and prone to mistake and reducing customer experiences because of manual input takes longer time.
Products: OCR KTP, OCR NPWP - websaas Why Advance.AI:
❖AAI has the best accuracy as compared with competitors
❖AAI OCR solutions is ready to use and no need development.
❖AAI OCR Solution is very easy to integrate with current existing Front and Back end Bank systems.
❖Data Center AAI location is in Indonesia Benefits:Fasten the customer on-boarding Process from minutes to seconds
One of top 6 largest bank by
asset in Indonesia One of the largest retail bank
in Region One of the largest two
wheelers financial institution
Pain Point:
❖Not a large market capitalization in retail banking
❖Very little growth in unbanked and unsecured space (loans + credit cards) Products: Liveness Detection, OCR (KTP) Face Comparison, OCR (NPWP),
OCR (KK) – on premise Why Advance.AI:
❖Looking for partners with significant experience in the region
❖Very strong product and team – the client has tested AAI products since 2018 with well over 8000 API calls
Benefits:Open channel to penetrate unbanked and unsecured space while maintaining risk assessment and strengthen onboarding process
Pain Point: Handling a large volume of auto loan application forcing the client to move into automated application process through digital channel and continue for manual process was simply not possible and increased the cost of acquisition.
Products: OCR KTP, Liveness Detection, Face Comparison - websaas
Why Advance.AI:
❖AAI has the best accuracy compare to competitor
❖Data Center AAI location is in Indonesia
❖Local presence
❖Fast deployment and integration
Benefits:reduction of cost of acquisition and automation of customer on-boarding
process
Our Product & Solution
ADVANCE.AI © 2020 | CONFIDENTIAL
02
Digital transformation is imperative for all businesses, from the
small to the enterprise. That message comes through loud and
clear from seemingly every keynote, panel discussion, article, or
study related to how businesses can remain competitive and
relevant as the world becomes increasingly digital.
Our Product Landscape
ID OCR
AI Solutions Risk Management Digital Lending
SDK Liveness Detection Face Comparison
Face Search
Risky Faces Fraud ID Forgery Detection
Receipt Verification Bank Statement Analysis
Credit Score
Telco Score Customized Score
Blacklist
Multi platform detection
Tele Status Check
Lite Blacklist
Social Media Check
Verification ID Bundle
Digital Onboarding Decision Engine Collection System
Video KYC
ADVANCE.AI © 2020 | CONFIDENTIAL
Extremely Fast and Solid Growth on the Advance Guardian Platform
- 20,0 40,0 60,0 80,0 100,0 120,0
Jan-18 Feb-18 Mar-18 Apr-18 May-18 Jun-18 Jul-18 Aug-18 Sep-18 Oct-18 Nov-18 Dec-18 Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 Nov-19 Dec-19 Jan-20 Feb-20 Mar-20 Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20
Others
Common Phone Number Detection Tele Score
Tele Status Check Risky Faces Credit Score Face Search Blacklist Check Liveness Detection Multi Platform Detection ID Check
Face Comparison ID OCR
Monthly API Query Volume
Queries: Million
AI Solutions
“ Digital transformation is imperative for all businesses, from the
small to the enterprise. That message comes through loud and
clear from seemingly every keynote, panel discussion, article, or
study related to how businesses can remain competitive and
relevant as the world becomes increasingly digital.
Our Fully Integrated & Comprehensive eKYC
Addressing the identification and fraud issues in countries with poor identity systems and data infrastructure.
Scan the ID
Recognition
Success Action Video
OCR FOR ID Liveness Detection
Real Identity ID Check
API
Face Comparison
Face Search
ID Face Liveness Face
VS
Liveness Face Face DB
Approve / Reject Result
Identity Check Liveness Detection Face Comparison Face Search
Weak Strong
OCR
(Optical Character Recognition)
Specialized Asian ID Card
Recognition
Indonesia
KTP Recognition Indonesia
Family Card (KK) Indonesia
NPWP India
Aadhaar Card
India
PAN Card Philippines
UMID
Philippines
SSS Philippines
TIN
Philippines
Passport Vietnam
CMND
Vietnam CCCD
Specialized ID Card Recognition in Asia
Nik : 99.4%
Name : 97.0%
Religion ：97.3%
Address : 90.0%
Expiry date : 93.0%
56,70%
49,40%
29,20%
97,00% 99,40% 96,90%
Name NIK Name+NIK
Competitor Advance Blood type : 90.8%
Gender : 98.1%
Region : 96.0%
Village : 98.0%
Nationality : 95.0%
Occupation ：95.6%
Province ：91.5%
Rt/rw ：98.3%
Marital status ：95.6%
Birth place/date of birth ：93.0%
Indonesian OCR - Recognition Accuracy
KK images
(Taken by camera or by image scanner）
Input (Web SaaS API)
Table Detection
Text detection and recognition Spelling Correction
Recognition（CV+NLP ）
Standard JSON (All fields)
Output (Structured Data)
• The product detects and recognizes Indonesian family card Kartu Keluarga (KK) and returns structured family information.
• The algorithm model is customized for KK, and it supports all fields at high accuracy.
• It improves the user experience by auto-filling massive information, and can also be used in automatic processes.
KK OCR - Combine OCR & NLP
Why ID Card OCR ?
Use our on-device mobile SDKs or host Nanonets models on your own servers making sure that no sensitive
data leaves your network
With Advance AI OCR,we support multiple country. It's as easy as
uploading your data
Build models that can work with tilted or angled images to get better use
experiences
Run image checks on ID cards as they are uploaded to make sure the information extracted is very accurate
SaaS or On Premise Multi Language / Country Perspective Transformation Fraud & Blurry Image Check
Fraud ID Forgery Detection
Fully automated machine learning models applied with constant training using feedback data.
Support high concurrency.
99% model accuracy. Fast response of 10 images/s.
ID Submission ML Models
✓ Forgery pattern detection
✓ Shape & position
✓ Card attributes (corner, color)
✓ Edge detection
✓ Image manipulation OCR Extraction
Fraud ID Forgery Detection (Sample forged KTPs)
Assurance of Identity Authenticity:
An essential complement to face comparison to ensure the IDs are authentic to be compared with.
Frictionless User Experience:
Be it loan application or customer onboarding, user can finish the application process within seconds, all s/he needs to do is just to upload an image of ID document and take a selfie.
Cost Reduction:
Fully automated ID forgery detection process can offload human stuff from performing the checks, therefore, cutting cost on human operations.
More Robust Anti-Fraud Due Diligence:
Provide additional anti-fraud rule configuration options based on ID forgery, enabling financial institutions and banks to perform fuller fraud check.
Business Significance:
Lowered fraud risks and hence more secured lending process for clients with effective and accurate ID document attack prevention.
Benefits Offered
ADVANCE Receipt Verification
An innovative tool that can address the challenge of automatically extracting information from a receipt. Extracting the data from receipts and converting them to structured documents can serve many applications and services, such as efficient archiving, fast indexing and document analytics.
Support multiple data source detection.
E.g. photos, scans,
electronic documents, etc.
Support multiple
language text recognition.
Transform the data extracted from receipts into a standard format (e.g., JSON and DSV).
Multi-modal Detection Cross-lingual
Recognition Receipt Digitalization
Receipt Recognition Highlights
High Accuracy Key fields accuracy 99%+
All Fields Support recognize all fields
Low Latency Response within 0.5 second
High Robustness Support complicated backgrounds
lighting conditions rotation angles
What is
ADVANCE Bank Statement Analysis ？
The product covers major banks in India. Through
categorisation and statistical analysis on the recognised raw data in bank statements, the product generates
valuable financial status information for credit scoring and modeling usage. In addition, it performs effective fraud detection by analysis on file modification history and correctness of balances.
Accelerates income verification
Creates a
detailed record
Statistical Analysis
Anti-Fraud Credit Score
Salary
EMIs
expenditures
withdrawals
credit card payments
receipts
income Expenses
financial health
ADVANCE Bank Statement
NLP
Machine Learning
Deep Learning
Text classification Information retrieval
Natural language generation Natural language understanding
NLP
Input Feature extraction Classification Output
Input Feature extraction + Classification Output
Salary：$1234…
Tax：$123…
Salary：$1234…
Tax：$123…
Technology Used
Bank Statement - Sample Result
Json Format
Excel Format
Bank Statement Analysis Benefits
Online bank statement analysis also makes the manual
collection of bank statements redundant, making it beneficial for both borrowers and
lenders. The turnaround time for the processing of loan applications is significantly reduced if automated bank statement analysis is adopted.
It also helps lenders assess other liabilities of the borrowers including existing liabilities and recurring payments that may have an impact on their ability to repay the loan being applied for.
For a process that is manual, with hundreds and thousands of employees working in back offices of FIs or KPOs, the single biggest factor is escalating costs.
Automation goes a long way in reducing those costs.
From providing loans to
individuals who have otherwise had no access to credit since they lack conventional
documentation for employment
More automation and less manual efforts:
Better assessment of risk:
Reduction in costs:
Catering to the
unbanked:
ADVANCE Liveness Detection
Is this a real person? Detection of a digital selfie / video
Detection of “flat”
images
Face close to the screen
Open your mouth and then close
Turn head left
or right Verification done
Identification of natural face movements
High engineering standards
SDK only about 2MB
Specifically, excellent post-loan performance in FSI
Reduce overdue rate up to 2%
• Multi-device: Android, iOS
• Multi-language supported: Chinese, English, Indonesian and Vietnamese
Customizable UI
Flexible designs to fit in APP styles
Product Highlights
Identity authentication: effectively calculate the similarity of 2 face images Local market catering: model trained by incrementing 2 million local faces Especially High performance on low quality national ID photos
ADVANCE Face Comparison
Evaluated on Indonesian market images, with 10,000 pairs of positive samples and 100,000 pairs of negative samples
• True Acceptance Rate（TAR）: the ratio of the number of correctly recognized positive pairs divided by the number of positive pairs
• False Acceptance Rate （FAR） : the ratio of the number of negative pairs recognized as positive divided by the number of negative pairs
99,4% 97,7%
93,2%
84,5%
77,6%
99,4% 99,0% 98,3% 96,9% 96,0%
0,0%
20,0%
40,0%
60,0%
80,0%
100,0%
120,0%
0,1 0,01 0,001 0,0001 0,00001
Face++ Advance
*Source: Testing by ADVANCE.AI engineering team with 1000 samples.
(FAR) (TAR)
Model Performance
Catered for Southeast Asia and India
Large amount of local faces used for model training
Effective in real scenarios
Robustness to various lighting, ages and accessories dressing conditions
Customized for e-KYC
Model fine tuned for selfie and ID face comparison
Robust algorithm
Mitigating the impact of shabby and damaged IDs
Product Highlights
ADVANCE Risky Face
*************01 *************02 *************03 *************12
*************11 *************13 *************09 *************03
*************04 *************05 *************06 *************07
Risky Face Detected
NIK: *************13
Risky Face DB
✓ Risky Faces detects risks by
matching applicants’ face against the ADVANCE exclusive risky face
✓ DB Hit rate in actual practice is around
5%~7%
ADVANCE Fraud Faces
The product detects fraud risks in real time by using a face photo. It shows the high relevance between fraud behavior and post loan performance.
Due to the difficulty of tempering face images (after using Liveness Detection), the product offers high reliability and efficiency.
It does not need sensitive personal information like national ID number, name nor phone number. The growing fraud faces are continuously mined from Advance.AI big data platform.
Match submitted face against a database faces with identity fraud
history.
Fraud Hit (Y / N) + Related Information for analysis.
Web SaaS API (Only charge per Fraud Hit!
• Reliable and unique service
• Complete and robust Anti-Fraud process
• Business significance
Function Result Format Business highlights
Unique Data Source
Based on ADVANCE hundreds of millions of face data from self-owned big data platform and knowledge of identity fraud accumulated over time.
High performance for cash loan clients
• Over 5% hit rate in average
• 45% default rate on hit data
• More than 300000 unique data
High Quality of Data
• Fraud cases are generated by AI + human verification
• Data points are updated every day
Superior accuracy of algorithm
99%+ for Face Matching model trained with millions of local data
Product Highlights
How ADVANCE Face Search Works?
*************09
*************03
*************01
*************02 *************04 *************12
*************09
*************09
*************03
*************01
*************02 *************04 *************12
Pass
Similar Face under different
NIK detected.
Face Search: Sample Use Case
ADVANCE Face Search：
✓ Fraud history detection
✓ User deduplication
✓ “Proof of life” verification for recipients of pensions and other benefits
Anti-fraud in FSI
Face Authentication
✓ Login authentication using facial recognition
✓ Transactions verification using facial recognition, instead of OTP and/or PIN, i.e.: fund transfer, bill payment, top ups, etc.
✓ Better security to prevent fraudsters doing transactions using other people’s account
Start with Phone Browser
• Customized Checklist
• Photo Taking
• Face Comparison
• Geo Check
Information Submission &
Verification
Client Queuing System Live Video Chat
Local Data Storage
Video Recording
Historical Data Search
Data Management
VideoKYC Workflow
Agent Client
VideoKYC - Key Stage Demos
Risk Management Solution
Circular on video-based customer identification process will make presenceless and paperless banking a reality. The circular is a huge positive step towards Prime Minister Narendra Modi’s goal of Digital Financial Inclusion.
“
Blacklist Check
Name ID Number
Phone Number
Input
Event Time Product Type Hit Reason Hit Code
Output
Local Partners Domestic
Oversea Partners
Credit Alliance
PASS
NEEDS VERIFICATION
•Hit PHONE
REJECT
•Hit PHONE+NAME
•Hit NIK+NAME+PHONE
•Hit NIK+NAME
•Hit NIK+ PHONE
•Hit NIK The ADVANCE.AI Blacklist is a list of people who have completely lost credit.
Blacklist data is continuous accumulated through real-time tracking of after-loan performance.
Using Blacklist can help customers quickly identify personal risk to reduce bad debt.
46
Lite Blacklist Check
The ADVANCE.AI Lite Blacklist is a list of people who have completely lost credit.
The data base of Lite Blacklist larger than Blacklist, and it contains Blacklist data.
Using Blacklist can help customers quickly identify personal risk to reduce bad debt
Output
hit blacklist or not hit id number or not
hit phone number or not
hit name or not Name
ID Number
Phone Number
Input
Local Partners Domestic
Oversea Partners
Credit
Alliance
Multi-Platforms Detection
The huge data set owned by ADVANCE.AI can effectively identify some risk groups who apply for loans on multiple platforms.
This service will return the number of times the ID number (NIK) and phone number has been queried in other financial institutions . At the same time, the institutional information will be desensitized, and the results will be used as a risk reminder.
Input
Id number Phone number +
Outputs
Id number multi- platform info
statistics
• in recent 1 /3 /6 /12 /24 hours
• in recent 7 /14 /21/30 /60 / 90/ 180/ 360 days
Number of NIKs queried by category A institutions
Number of NIKs queried by category B institutions
Phone number multi-platform info statistics
• in recent 1 /3 /6 /12 /24 hours
• in recent 7 /14 /21/30 /60 / 90/ 180/ 360 days
Number of Phones queried by category A institutions
Number of Phones queried by category B institutions
48
Tele Status Check
Tele Status Check is an online product that monitors the real- time status of mobile phones. It can effectively prevent the applications of fake information by detecting the real-time status of mobile phone, helping customers to take necessary precautions before loan, risking warning in the loan, and reasonable distribution of collectors after loan, which will make your lending business more effective and efficient.
• Not available
• Temporarily unable to connected
• Detecting
• No record
• Called number ringing
• Number not exist
• Busy
• Powered off
Phone number Phone number status
Input Output
49
Common Phone Number Detection
Phone number the commonly used not commonly used
using phone mumber as input,we detect the whatsapp activeness assoiated with the phone number as to instantly verify the customer on social platforms and prevent fraud fraud in underwriting
Input Output
50
Facebook/Message Account Detection
This service can detect whether the mobile phone number registers a Facebook/Message account. It’s used to determine whether the phone number is commonly used, which provides the features of fraud risk identification for pre-loan review, effective verification for selecting contact methods when post-loan collection, as well as improves efficiency
Input
Country code + mobile phone number
Output
• Opened: Facebook account name, Bound email address(Desensitization)
• Unopened
• Account is banned
Status Total FPD DPD7
Opened 3472 25% 14%
Unopened 2337 35% 30%
Account is
banned 133 35% 30%
Case
51
E-Commerce Account Detection
This service can detect whether the mobile phone number has opened an e-commerce account., which used to determine whether the phone number is a common used number. At the same time, this feature has certain financial attributes, which can also determine whether to users have online shopping habits. These are helpful to the identification of fraud risk and credit enhancement before lending
Input
Country code + mobile phone number
Output
• Opened
• Unopened
• Abnormal Account
Status Total FPD DPD7
Opened 2460 22% 12%
Unopened 2565 33% 22%
Abnormal
Account 80 45% 40%
Case
Definition & Feature of Credit Scores
A Credit Features is a numerical expression based on level
analysis of a person's credit history to represent
creditworthiness of that person
Can you pay?
Credit Features
Credit Score
Average Amount Top Up Number of Verification Attempt in the Last 3 Days
Age
Number of Queries
Platform by Phone number
Other Credit scores
Name : D*** S****
NIK : 3173061708940***
Phone Number : +6287700004***
Name : L*****
NIK : 320105461298***
Phone Number : +6282343444***
Advantages of Joint Modeling
标 题 业，中国专PPT 演 示 设 计 领 跑者
Apply Customer data
Customized Model Free ModelIteration service
Excellent model performance
On-line quick
configuration Response
promtly
Datasets
Multiplatform data
Blacklist data
Computer Vision data
Risk Modeling
ADVANCE Booster Customized
Engine ADVANCE
Score Engine
⚫ Feature engineering– derive features from business and automated generation methods
⚫ Group samples –train different models from different subsets
⚫ Model ensemble– multiple diverse base model are used to predict an outcome
Score Output
Feature 2 Feature 1
Feature 3 Feature 4
……
Score Modeling
Production DB Production System
ETL
ADVANC DB
Model Monitor Model Tuning
Training Dataset Features
SamplingData Analysis Binning
Weight of Evidence Measuring Forecast
Capability
Model Evaluation
Model Training Model
Deployment
Data Preparation
Model Development Iteration Data
Advantages of Joint Modeling
Score Modeling Process
Data Traditional Data
⚫ Demographics ⚫ Income ⚫ Education
Non-traditional Data
⚫ Time series ⚫ Natural language data
processing Pre-
Cleaning
⚫ Imputation Exclusion
Understanding
⚫ Visualization ⚫ Correlation analysis ⚫ Feature engineering
Prediction
Traditional Methods Deep learning
⚫ Unsupervised: Clustering
⚫ Linear: Logistic regression
⚫ Local: Nearest neighbors, random forests, boosted trees
⚫ Kernel: SVM, kernel ridge regression
⚫ Architecture: feed-forward / convolutional / recurrent / generative adversarial
⚫ Training: ADAM, dropout, batch normalization
⚫ Tuning: Bayesian optimization, orthogonal sampling
⚫ Locally linear methods
⚫ Neighborhood visualization
⚫ Two-sample tests
⚫ Online learning
⚫ Markov decision problem
⚫ Markov decision problem
Deployment Interpretation Monitoring Preemption
Telcom Score
Introduction:
This product is the tele credit score generated by the analysis of the operator’s data. It helps to judge the tele credit rating of the queried customers.
Application scenario:
⚫ Risk management:
It can be used directly by models, and assist in judging credit status based on tele consumption capabilities so as to reduce default risks.
⚫ Improve credit:
Help to judge the loan amount based on consumption capacity of telecom top-up amount.
Operator Segment
Indosat 814、815、816、855、858、856、857
Telkomsel 811、 823 812、813 、821 、822、851 、852 、853 、
XL Axiata 817、 818、819 、877 、878、859 、831 、832 、 833、838
3 895、896、897、898、899
Support area:
Facial Multi-Loan Scoring
The product assesses the user default probability based on the query history across loan institutions, with the face photo as the query. With the face image as identity information, the problem of multiple identity cards co-existing is mitigated.
Through analysis and machine learning on large amount of data, provide scoring and feature generation service to help
loan institutions reduce the risk of default.
Facial Multi-Loan Scoring Performance
Score and default rate correspondence table
⚫ The higher the score, the lower the
default rate.
Simple and secure
Based on advanced computer vision technologies and big data service, It can bring convenient and reliable user
experience to end-users.
Using valuable data
The data that compiles the score covers multiple platforms and hundreds of scenarios, which can profile users’ credit situation more accurately.
Unique product for anti-fraud in Southeast Asia market
Adapting to various scenarios
A high credit score represents a low default rate.
It can be adapted to banks, NBFCs, payment companies, e-commerce industry, etc.
Product Highlights
Digital Onboarding
Circular on video-based customer identification process will make presenceless and paperless banking a reality. The circular is a huge positive step towards Prime Minister Narendra Modi’s goal of Digital Financial Inclusion.
“
How Digital Identity Verification Works?
ID Recognition Liveness Detection Face Comparison Result
Scan ID
Recognition Successful
Motion Video ID Check
Real Identity
Face Search
ID Face Live Face
Live Face Face DB
Pass
Rejec
t
e-KYC Product Matrix
CV ProductsData Products
Identity document OCR
Liveness detection
Face comparison
Face search
Risky faces
Risky faces
Tele status check
Tele ID check ID check
Tele authentication check
Blacklist check
Blacklist check Multi-platform
detection
Multi-platform detection
Tele status check Tele status check
Common phone number
Facebook/Message account detection E-commerce account detection
Device risk index Device risk index
Bank statement OCR
Face multi-platform detection
Face multi-platform detection
Bank statement analysis
Verification Proofing Risk screening Risk monitoring
On-prem and web SaaS web SaaS only
Hybrid
Smart Engine - One Stop Decison Engine Solution
Control the Data Setup your rules Monitor your acceptance
rate and payment default
ADVANCE SMART Engine provide a 1 stop cloud decision engine solution for financial institution to flexibly design their own personalized risk management and control based on existing 3
rdparty data combined with access to
their own cumulative data.
Smart Engine
Rule Set Strategy / Decision Tree Monitoring Treatment
Decision Flow / Unit
ADVANCE Collection System
Our collection system is comprehensive, integrated and highly configurable
Advance Collection system
Field Collection Agent App Field Collection
Case Center Desk Collection
Case Center
Admin
Bulk SMS service
Predictive Dialer service
Callbot
Email/ WhatsApp service
3
rdparty services
WHY ADVANCE.AI?
Best AI technology in the region – global AI technology & local data used to solve SEA problems
✓ Best in SEA for Face Comparison with 99.4% accuracy for real world images.
✓ Liveness SDK of 2 MB is by far the best compared to 40MB with the nearest competitor.
Already working on a new version to bring the SDK size down to 500 KB.
✓ Liveness detection and Face comparison perform well even on low end phones (slow processing unit, poor camera).
✓ Proven scalable engineering expertise handling 2 Million API calls daily with no downtime in the last 1 year.
✓ Microservices architecture for fast deployment and easy integration.
Customer centric
Localized products and services for each market.
On-ground integration + customer support in 6 markets.
Sector focus: banks, financial services, fintech, payment, retail and e-commerce.
•Stable
✓ Last series C funding of USD80mm from Temasek (Total USD120mm)
✓ Backed by reputable VCs from Silicon Valley
*Jan 2020, YoY growth