Multi-Layer Fraud Prevention

Fraud can destroy a lending business overnight. Industry average fraud rates are 5-8%, costing ₹5,000-8,000 per ₹1 lakh disbursed. A robust LOS must have intelligent fraud detection that catches 90%+ of fraud attempts without rejecting genuine customers.

<1%

Target Fraud Rate

9 Layers

Detection Methods

₹7,000

Saved Per ₹1L

90%+

Fraud Caught

Essential Fraud Detection Layers:

✔️

Device Fingerprinting:
Track unique device identifiers to detect multiple applications from same device

✔️

Duplicate Detection:
Identify duplicate PAN, Aadhaar, mobile, email, bank account across applications

✔️

Location Intelligence:
Flag mismatches between GPS location, IP address, and KYC address

✔️

Velocity Checks:
Detect unusual application patterns (same person applying 10 times in a week)

✔️

Document Forensics:
AI detects fake, edited, or photoshopped documents with 95%+ accuracy

✔️

Behavioral Biometrics:
Analyze typing speed, mouse movement, time-on-field to detect bots and fraudsters

✔️

Face Match:
Verify selfie matches photo on ID documents using facial recognition

✔️

Network Analysis:
Build relationship graphs to identify fraud rings operating together

✔️

ML Fraud Scoring:
Ensemble machine learning models combining all signals into single fraud score

Real-World Impact

Scenario: Fintech lender disbursing ₹50 Cr monthly with 6% fraud rate losing ₹3 Cr annually to fraud.

After Multi-Layer Fraud Prevention:
Fraud rate drops to 0.8%, saving ₹2.6 Cr annually. Additionally, 15% improvement in portfolio quality as fraud detection catches risky customers that credit models miss.

ROI: ₹2.6 Cr annual savings for ₹20 lakhs annual investment in fraud tech = 13x return.

300+ Pre-Built API Integrations

A LOS is only as good as the data it can access. Modern lending requires connecting to 20-30 different services (KYC, bureaus, bank statement analyzers, payments, e-sign, etc.). Building these integrations from scratch takes 12-18 months and costs ₹1-2 Cr. A world-class LOS comes with 300+ pre-built integrations ready to use.

300+

Ready APIs

5 Days

Setup Time

₹0

Integration Cost

99.9%

API Uptime

Critical Integration Categories:

✔️

KYC & Verification: Aadhaar eKYC, PAN verification, DigiLocker, face match, driving license, passport, voter ID

✔️

Credit Intelligence: CIBIL, Experian, Equifax, CRIF, bank statement analyzers, EPFO, GST verification

✔️

Fraud & Risk: Device fingerprinting, document forensics, duplicate detection, SIM age check

✔️

Payments: Razorpay, Cashfree, PayU, BillDesk for disbursements and collections, UPI, IMPS, NEFT

✔️

E-Sign & Stamping: NSDL e-sign, Digio, Leegality, SHCIL e-stamping

✔️

Communication: SMS gateways, email services, WhatsApp Business API, voice calling

✔️

Accounting: Tally, QuickBooks, Zoho Books, SAP, Oracle integrations

✔️

Data Sources: Account Aggregator, GST portal, MCA portal, telecom data

Build vs Buy Economics

Building 30 Custom Integrations:
2 developers × 12 months × ₹15L annual cost = ₹30L + ongoing maintenance ₹10L annually.
Timeline: 12 months. Risk: High (integration failures, API changes).

Using Pre-Built Integrations:
₹0 upfront cost (included in LOS subscription). Setup: 5–7 days. Maintenance: ₹0 (vendor handles updates).
Risk: Low (battle-tested integrations with 99.9% uptime).

Savings: ₹30L upfront + ₹10L annually. Time saved: 11.5 months faster go-live.

No-Code Configuration & Business Agility

Market conditions change. Regulations evolve. Competitors launch new products. Your LOS must enable business users to adapt instantly without waiting for IT. No-code configuration separates agile lenders from dinosaurs.

2 Hours

Launch New Product

0

Developers Needed

15 Min

Policy Change

100%

Business Control

No-Code Capabilities Required:

✔️

Product Configuration: Define loan products (amounts, tenures, rates, fees) via visual forms without coding

✔️

Workflow Builder: Drag-and-drop workflow designer for creating custom loan journeys

✔️

Rule Engine: Visual rule builder for credit policies using IF-THEN logic

✔️

Form Builder: Create custom application forms by adding/removing fields

✔️

Document Templates: Design loan agreement templates with dynamic fields

✔️

Communication Templates: Create SMS, email, WhatsApp templates with personalization

✔️

Report Builder: Build custom reports and dashboards without SQL

✔️

A/B Testing: Test multiple product/policy variations without developer involvement

Agility in Action

Situation: RBI announces new digital lending guidelines requiring additional disclosures in loan agreements.
Implementation deadline: 30 days.

With Code-Based LOS: Open development ticket → developer updates code → QA testing → UAT → production deployment.
Timeline: 3-4 weeks. Cost: ₹2–3 lakhs. Risk: High (rushed changes may have bugs).

With No-Code LOS: Product manager updates agreement template in 30 minutes → preview → publish.
Timeline: Same day. Cost: ₹0. Risk: Zero (no code changes).

Competitive Advantage: Comply on day 1 while competitors scramble for weeks.

Real-Time Analytics & Business Intelligence

You can’t improve what you don’t measure. A world-class LOS provides real-time visibility into every aspect of your loan origination process – conversion rates, approval rates, portfolio quality, staff productivity, and profitability.

Real-Time

Data Updates

50+

KPI Dashboards

100%

Data Visibility

30%

Better Decisions

Essential Analytics Capabilities:

✔️

Application Funnel: Track conversion at every stage from landing to disbursement

✔️

Approval Metrics: Monitor approval rate, rejection rate, pending rate by product, channel, segment

✔️

TAT Analysis: Measure turnaround time at each process step to identify bottlenecks

✔️

Credit Policy Performance: See impact of policy changes on approval rate and risk profile

✔️

Portfolio Vintage: Track loan performance by origination cohort to spot early warning signs

✔️

Channel Attribution: Understand which channels drive volume and quality

✔️

Staff Productivity: Monitor applications processed, queue sizes, SLA compliance per user

✔️

Revenue Analytics: Calculate profitability by product, channel, customer segment

✔️

Fraud Analytics: Track fraud attempts, catch rates, false positive rates

✔️

Custom Reports: Build ad-hoc reports for specific business questions

Data-Driven Optimization

Discovery: Real-time dashboard shows 45% of applications drop off at document upload stage.

Hypothesis: Too many documents requested upfront causing friction.

Action: A/B test requesting only 2 documents initially vs 6 documents.
Analytics show 2-document flow has 78% conversion vs 45% for 6-document flow.

Impact: Implement 2-document flow. Monthly applications increase from 10,000 to 17,300 (73% increase) with same marketing spend.

Result: ₹2.5 Cr additional revenue per month from single optimization discovered via analytics.

How Roopya Delivers All 5 Must-Have Features

Roopya is purpose-built to excel at all five critical dimensions. Here’s how we stack up:

1. Instant Decisioning

95%+ automation, sub-30 second decisions, 10K+ applications daily

2. Fraud Prevention

9-layer detection, reduce fraud from 8% to under 1%

3. Pre-Built APIs

300+ integrations ready to use, go live in 5–7 days

4. No-Code Platform

Launch products in 2 hours, change policies in 15 minutes

5. Real-Time Analytics

50+ dashboards, ML-powered insights, custom reports

Roopya's Comprehensive Approach

Feature 1: Instant Automated Decisioning

→ Parallel API calls to 20+ services complete in under 10 seconds

→ Visual rule builder enables credit team to define policies without coding

→ ML models trained on 10+ million loans achieve 88% prediction accuracy

→ Risk-based pricing engine optimizes loan offers for each customer

→ Smart exception routing ensures 95%+ straight-through processing

→ Process 10,000+ applications daily vs 100 with manual underwriting

Feature 2: Multi-Layer Fraud Prevention

→ Device fingerprinting tracks 500+ device attributes for unique identification

→ AI-powered document forensics detects fake Aadhaar, PAN, bank statements with 95% accuracy

→ Face match technology verifies selfie matches ID document photo

→ Network analysis builds relationship graphs to identify fraud rings

→ ML fraud models combine 100+ signals into single fraud score

→ Reduce fraud losses from ₹5,000–8,000 to under ₹1,000 per ₹1 lakh disbursed

Feature 3: 300+ Pre-Built API Integrations

→ KYC: Aadhaar, PAN, DigiLocker, DL, Passport – all major providers integrated

→ Credit: CIBIL, Experian, Equifax, CRIF + 10 bank statement analyzers

→ Payments: Razorpay, Cashfree, PayU, BillDesk, CCAvenue for instant disbursement

→ E-Sign: NSDL, Digio, Leegality for Aadhaar-based digital signatures

→ Communication: 15+ SMS/Email/WhatsApp providers with auto-failover

→ Go live in 5–7 days vs 12 months building custom integrations

Feature 4: No-Code Configuration & Agility

→ Visual product configurator: Define loan products in 15 minutes without IT

→ Drag-and-drop workflow builder: Customize loan journey for different segments

→ Rule engine: Create complex credit policies using simple IF–THEN logic

→ Template builder: Design loan agreements, emails, SMS without developers

→ A/B testing framework: Test product variations and optimize conversion

→ Change policies in 15 minutes vs 3–4 weeks with code-based systems

Feature 5: Real-Time Analytics & Intelligence

→ 50+ pre-built dashboards tracking every aspect of loan origination

→ Real-time updates: See application status, approval rates, portfolio quality instantly

→ ML-powered insights: Predict which policy changes will improve portfolio quality

→ Vintage analysis: Track cohort performance to catch problems early

→ Custom report builder: Create ad-hoc reports without SQL knowledge

→ API access: Push data to your data warehouse for deeper analysis

The Bottom Line

What You Get With All 5 Features

✓
100x Processing Speed: 20 days → 10 minutes per loan

✓
95% Cost Reduction: ₹1,000 → ₹50 per loan

✓
87% Lower Fraud: 8% → 1% fraud rate

✓
11 Months Faster Launch: 5 days → 12 months implementation

✓
Infinite Agility: Change policies in 15 minutes vs 4 weeks

✓
30% Better Decisions: Data-driven optimization of every process

Level 1	contact@roopya.com
Level 2	tech@roopya.com
Level 3	bhavika@roopya.com

Top 5 Must Have Features of a Loan Origination System

The Non-Negotiables

Instant Automated Decisioning

Essential Capabilities:

Real-World Example

Manual vs Automated Decisioning