SMS Analytics for Income, underwriting and cross-sell signals

Capture live signals from SMS data to power underwriting, fraud detection, and hyper-personalised engagement

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case studies

Use cases of SMS Analytics

Use real-time financial signals from SMS to move away from static data towards a continuous, decision-ready intelligence across the customer lifecycle.

Credit
Underwriting

Estimate income and FOIR, evaluate affordability, and underwrite thin-file (NTC/NTB) customers

Fraud
Detection

Detect fake identities, flag device and application anomalies, and uncover mule account patterns before they impact portfolio quality.

Hyper Personalisation for Cross-Sell

Build a 360° financial view across cards, wallets, and bills, analyse spend and behaviour patterns, and predict the next best product for each customer

Outcomes

Get Complete Customer Visibility
with SMS and AA Data

Higher data completeness

Accurate intent signals

Better-timed nudges

Lower false positives

Combine SMS Analytics & propensity signals with CDI Platform to drive Outcomes

Convert SMS signals into cohorts, triggers and campaigns and drive personalised contextual nudges.

Capture a complete view of customer finances across banking, credit, loans, bills, and insurance — continuously updated from real-time SMS signals

Accounts & balances

Credit card utilisation

Wallet recharge and spends

Active loans

Bills & subscriptions

Insurance coverage

Offerings

More ways to build with Ignosis

AA Orchestration

Improve customer onboarding and data fetch by automatically selecting best-performing AAs

Income Analysis

Determine risk and repayment capabilities for salaried, gig, and thin-file borrowers

MSME Underwriting

Profile merchants and analyse turnover, volatility, FOIR and risk for business lending

Personal Finance Management

Help users understand and manage their finances through a unified dashboard

Customer Data Intelligence

Use financial behaviour signals to personalise products and engagement.

AI Collections

Optimise recovery with case prioritisation, AI-led outreach, and mandate optimisation.

Partnership Lending

Power embedded lending with pre-integrated infrastructure and configurable credit journeys

Agentic AI

Integrate AA insights with agentic AI workflows for different financial workflows

resources

Latest insights & articles

View all resources

Underwriting

Underwriting on the Wall: Why Credit Cards Are Entering an Intelligence-First Era

April 13, 2026

Agentic AI

You cannot hire your way out of debt recovery — not at India’s scale.

January 21, 2026

Collections

How AA Is Transforming MSME Lending: Adoption Trends and Portfolio Intelligence

November 24, 2025

Lending

Ignosis Raises $4M Led by Peak XV’s Surge to Democratise Financial Data & Inclusion in India with DPI Rails and AI-Driven Analytics

September 30, 2025

Collections

The AA Advantage: Automating SEBI Prohibition of Insider Trading Compliance for a Frictionless Future

May 7, 2025

Agentic AI

Building More Reliable Credit Models with AA-Verified Income

March 21, 2025

Collections

How Tech Is Changing Loan Collections?

March 27, 2023

AA

Collections Efficiency: The Playbook to Combine the Best of AI and Human Intelligence

October 18, 2022

ONDC

Role of AA In Financial Planning And Wealth Management

October 18, 2022

AA

AA Orchestration: The Strategic Imperative for BFSI

ONDC

The Rise of PDF Frauds in Financial Data Sourcing — and Why Account Aggregator (AA) Is the Way Forward

get in touch

Let’s build the future of finance together

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