Use cases built for every stage of the customer lifecycle.

Proven use cases powered by Auth intelligence and Echo AI agents: from acquisition through collections.

Acquisition

5 use cases

Onboarding, KYC, fraud screening, and underwriting use cases.

Fraud check during new account opening

Screen new SA/CA applicants for fake or stolen identities using PAN and phone risk signals.

Mule account detection at onboarding

Detect potential mule accounts at onboarding: flag mismatched names, fraud registry hits, and CUG numbers.

NTC / thin-file credit decisioning

Enable credit decisions for NTC/thin-file applicants using alternative data: phone risk and detailed employment signals.

Portfolio

9 use cases

Monitoring, enrichment, cross-sell, and compliance use cases.

Employee fraud / internal threat detection

Screen employees or contractors for fraud risk using identity, phone, and employment cross-checks.

Mule account cleaning (portfolio sweep)

Batch-score existing accounts to catch dormant accounts controlled by mule networks.

Early warning system for delinquency

Use periodic Trust Score refresh as early warning: detect job loss, business closure, financial stress.

Collections

3 use cases

Skip tracing, prioritisation, and AI-assisted recovery.

Skip tracing / contact discovery

Locate skip borrowers using phone intelligence, address profiling, and alternate contact discovery.

Awareness reminder calls

Proactive AI agent outreach for early delinquency (Day-1 DPD): capture PTP and route to resolution.

Recovery calls

AI agents for late-bucket recovery: negotiate repayment plans, capture settlement intent, and route disputes.

Data Sutram unveils their Flagship report on The Evolving Landscape of Financial Fraud at Global Fintech Fest 2025. Read more →