Manage fraud and risk intelligently while delivering best-in-class digital products in any origination channel. 


        <p class="mb-[30px]">
          Unsecured lending is a risky business at the best of times. Without
          collateral to act as security, successful unsecured lending depends on
          a credit model’s ability to assess a borrower’s ability to repay. But
          credit models won’t work if the provided information turns out to be
          fake.
        </p>
        <p>
          As unsecured lending continues to move online, so too does the
          capacity for fraud. Committing fraud at branches is difficult to
          scale, but when a lending process moves online, the potential for
          fraud at scale rises exponentially. This puts unsecured lenders at the
          nexus of two high - risk vectors: The potential for scaled digital
          fraud attacks, and the potential for loan values to go to zero very
          quickly, due to fraud.
        </p>
      

Lenders can improve the speed and simplicity of the customer journey, as well as decision - making. Paays enables this through a single platform and easy to integrate API. It’s a single integration that saves thousands of dollars of development resources, and hundreds of hours of go - to - market time.

With the Paays suite of digital fraud detection, IDV, AML and income verification tools, unsecured lenders can create a strong defense against those high risk vectors.

Unsecured Lending