Identity
KYC confidence, device and SIM consistency, and fraud-signal clustering.
Confidently verify borrowers and prevent identity fraud while keeping onboarding fast — backed by Wardya / Fayda verification and device, SIM and AML signals.
What Identity does
KYC confidence via integrations with Wardya and regional ID infrastructure such as Fayda.
Detects mismatches between the person, their device and their SIM across applications.
Groups related fraud signals so analysts see patterns, not isolated flags.
Fraud findings apply a transparent penalty and can force human review — never a silent denial.
From signal to governed decision
- 1Identity is verified at onboarding against trusted KYC providers.
- 2Device, SIM and AML signals are continuously evaluated against the person record.
- 3Confidence and fraud flags are returned with reasons; high severity routes to manual review.
DurujScore is decision support, not a lender or bureau replacement — every output ships with reason codes, a confidence score and an audit row, and your credit committee remains the decider.
Related modules
Explainable 300–850 credit readiness score with bands, factors and reason codes.
Learn more →📈Income InsightBorrower Intelligence moduleCashflow stability, income capacity and economic activity from consented data.
Learn more →🛰SpectrumShared RegistryCross-lender exposure and loan-stacking detection with strict tenant boundaries.
Learn more →See Identity on your own data.
Book a walkthrough and we’ll show how it fits your policy, consent and audit workflow.