Business needs we solve

Businesses across finance, retail, and telecom face a common challenge: making the right decisions at the right time – without friction, bias, or missed opportunities. AdviceRobo’s AI-powered solutions help organisations across many industries unlock new customer segments, optimise risk assessment, and drive personalised engagement.

Explore how our technology can support your goals.

 

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Boost Customer Acquisition

Identify and approve creditworthy customers faster, even those without traditional credit histories. Expand your market while improving conversion rates.


Enhance Underwriting

Go beyond historical data with alternative behavioural and psychometric insights for more precise, inclusive, and scalable credit decisions.


Debt Recovery

Use predictive analytics to detect early signs of financial distress, enabling proactive, personalised repayment strategies that reduce losses.


Prevent Fraud

Leverage AI-driven behavioural profiling to strengthen fraud detection, mitigate risk, and stay ahead of evolving threats.

Real-world applications

AdviceRobo’s AI is transforming financial services, lending, and embedded finance. Here are some of the key pain points we solve:


Inclusive Lending

Expand access to finance by assessing thin-file and credit-invisible customers with alternative data.


No-Hit Scoring

Avoid lost opportunities by accurately scoring applicants without traditional credit records.


Retail Credit Onboarding

Reduce friction in BNPL and in-store financing with real-time risk assessments.


SME & Microfinance Risk Scoring

Assess small business creditworthiness using behavioural and alternative data.


Next Best Actions

Predict customer needs and offer tailored financial products at the right moment.


Customer Targeting & Engagement

Use AI-powered profiling to create hyper-personalised engagement strategies.

Unlocking Credit Access at Mundo Total

Mundo Total, a mid-sized retailer in Latin America, wanted to offer responsible Buy Now, Pay Later (BNPL) financing at the point of sale – but many customers lacked traditional credit records.

By integrating AdviceRobo’s AI via Experian, Mundo Total built in-store BNPL kiosks with instant credit decisions. If a customer had no credit history, AdviceRobo’s human-centered AI stepped in, analysing behavioral and psychometric data to approve responsible borrowers in real time.

The results?

  • 30% uplift in cross-sell and upsell
  • More customers approved responsibly
  • Seamless, paperless credit decisions

This is embedded finance in action, where AI-driven inclusion meets real-world retail.

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Driving Sales Growth at Canguro

Canguro, a fast-growing consumer electronics retailer in Latin America, needed a smarter way to offer BNPL, particularly for customers without traditional credit scores.

Using the same AdviceRobo-Experian integration, Canguro enabled mobile-based BNPL applications. If a customer had a credit record, Experian scored it instantly. If not, AdviceRobo’s AI assessed alternative data to generate an accurate, risk-conscious score.

The results?

  • 24% increase in sales
  • Low default rates, proving AI-driven lending can be both inclusive and secure
  • Seamless, mobile-first credit onboarding

By combining AI, behavioural science, and embedded finance, Canguro unlocked growth while ensuring responsible lending.

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Ready to Build Smarter Financial Solutions?

From inclusive lending to next-best-action engagement, AdviceRobo’s AI-powered insights help businesses make better decisions, faster.


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