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Personal Information
Seal Alternative Credit Scoring
If AML is declined, the application is automatically rejected.
Credolab — Device & Behavioral Score
Device fingerprint and behavioral score from Credolab.
Shufti Pro — Document KYC
Shufti Pro — Face KYC
Non-Lebanon IPs add risk signal.
App & Device Touchpoints
Financial Behavior
Average days past due across all payments.
Number of different payment methods.
Unsuccessful direct debit or card attempts.