Spectrum
Cross-lender exposure and loan-stacking detection with strict tenant boundaries.
A shared activity registry that pools default and exposure signals across participating institutions to surface loan stacking — while enforcing strict multi-tenant context boundaries.
What Spectrum does
Surfaces when a borrower is simultaneously seeking or holding credit across multiple lenders.
Shared person records and behaviour events pool default risk and activity across tenants.
Cross-tenant signals are governed: institutions see aggregated risk, not another lender’s private customer data.
Participation and visibility follow consent and the institution’s policy, with a full audit trail.
From signal to governed decision
- 1Participating institutions contribute consented activity to shared person records.
- 2Exposure and stacking signals are computed across the registry within boundary controls.
- 3Each lender receives aggregated risk indicators for its own decisioning.
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 →🛡IdentityFraud & Identity Risk moduleKYC confidence, device and SIM consistency, and fraud-signal clustering.
Learn more →See Spectrum on your own data.
Book a walkthrough and we’ll show how it fits your policy, consent and audit workflow.