Mnemo Data Intelligent Risk Control and Risk Management Solutions
Founded in 2018, Mnemo Data has remained focused on deep exploration and innovation in intelligent risk control, providing advanced and reliable risk management solutions for finance, e-commerce, and other high-value industries. By systematically integrating AI technologies with real business scenarios and relying on big data and AI algorithms, we build an end-to-end intelligent risk control system that accurately identifies and mitigates risk challenges across financial transactions, e-commerce operations, and related processes.
We serve a broad customer base across banks, consumer finance companies, lending platforms, credit leasing institutions, e-commerce companies, telecom operators, and more, delivering data-driven risk analysis models and decision support. We also help partners manage the full customer lifecycle, from data asset integration, intelligent risk decisions, and precise user reach to marketing effectiveness evaluation and continuous optimization, creating a complete closed loop from insight to execution and enabling sustainable growth.
Headquarters
Countries & Regions Served
Partner Telecom Operators
Mobile Terminals Covered
Global Layout
Headquartered in Hong Kong, China, our local teams have offices in the Philippines, Vietnam and China. The list and map show business markets: North America and Asia are active, while South America and Africa are in preparation. Office locations and service markets are listed separately.
North America
USA, Mexico
Asia
India, HK, Thailand, Philippines, Indonesia, Singapore
South America (Preparing)
Colombia, Ecuador, Peru, Chile, Brazil, Argentina
Africa (Preparing)
Nigeria, Egypt, Ethiopia, Kenya
Data Capabilities & Advantages
As a global risk decision intelligence service provider, our data products have reached 1 billion smart terminal users worldwide, serving over 100 enterprises both domestically and internationally. Our business covers smart communications, smart financial risk control, and AI solutions.
Scope: 1.5B+ refers to terminal coverage; 1B refers to users reached. These measure different populations and should not be compared directly or added together. Contact our team for coverage and data availability in your target market.
Population Coverage
E-Commerce Transaction Data
Number Coverage
SMS Query Volume
Comprehensive App Database
- • App Store full app list
- • GooglePlay market coverage
- • Domestic Android stores
- • TapTap and niche channels
Core Products
Product Matrix
Covering pre-loan, mid-loan, and post-loan lifecycle risk management
Credit Score / Report
A comprehensive credit score evaluating applicant reliability with anti-fraud reports.
Electronic KYC (e-KYC)
Cross-checks authorized databases for fast, compliant online identity verification.
Alternative Credit Scoring
Uses non-traditional behavioral data to build credit profiles for the unbanked.
Anti-Fraud Engine
Real-time detection of intermediaries, device farms, and fraudulent applications.
Segmented Credit Scoring
Customized models scoring specific customer segments by loan terms or amounts.
D2C Direct-to-Consumer
Direct consumer credit management and anti-fraud warning solution.
SME Credit Scoring
Dual credit evaluation combining business owner credit and transactional data.
System Solutions
On-premise deployment of decision engines and complete risk platforms.
1. Credit Scoring Product
Product Format
Assess financial reliability by analyzing comprehensive information of applicant loan behaviors.
Product Capability
A credit scoring solution tailored for overseas markets using machine learning to construct models incorporating multi-platform logs, demographics, and income parameters.
Evaluation example
Illustrative metrics:
- AUC: 0.71 | KS: 0.3
- An illustration of sample distribution and default rates across score ranges, showing how a model can be evaluated.
The chart and example values illustrate the evaluation approach; they do not represent results for a particular market or client. Actual evaluations must specify the market, evaluation period, sample size and default definition, with results documented in a mutually agreed report.
Illustrative model evaluation
2. Credit Blacklist
The blacklist accumulates actual default logs and behavioral tracking data through joint industry networks and big data labs. It provides pre-loan anti-fraud rules or modeling variables to precisely identify credit risk and decrease delinquency. Covers microfinance overdue datasets for M1, M2, and M3+ overdue categories.
Scenarios: Customer admission screening, pre-loan anti-fraud filtering for high-risk applications.
Blacklist Risk Assessment Pipeline
Input Factors
Phone Number
MD5-encrypted number starting with +62
ID Number
Encrypted applicant ID card info
Processing & Verification
Joint Network Lab
Global defaults, payment delays & shared industry pools
Credit Agencies
Verifies historical credit ratings and graylist history
Behavioral Analytics
Aggregation of non-direct borrowing indicators like device telemetry
Blacklist Output
Decision Card
3. Credit Multi-Lending Data
Multi-Platform Detection
Monitors ID and phone querying activity across multiple platforms through joint networks and labs, calculating query frequencies by period to identify high-risk debt-cycling groups.
Social Media Profiling
Tracks digital footprint activity, validates email/phone active states, analyzes registration history across key platforms, and identifies potential data breaches.
Verifies applicant authenticity, exposes organized fraud rings, and evaluates fraud probabilities.
Associated Network
Renders relational graphs using phone links, device footprints, and IDs to expose syndicates and fraudulent loan agencies.
Uses advanced graph topology metrics to increase credit scoring precision and overall risk management efficiency.
Joint Modeling: Trained on massive records, high alignment between Party B data and client features
Party A (Client) Dataset
- • Basic Identity Info
- • Loan Performance & Repayments
- • Application Behaviors
Party B (Mnemo) Dataset
- • Multi-Platform Co-Debt Data
- • Authorized Telecom Features
- • E-Commerce Transaction Logs
Score Output
Regression weights of combined Feature 1 ~ Feature 8
Find the right risk solution for your business
Share your target market and use case to discuss the right products and integration options.
Application Scenarios
Financial Institutions
Identify high-risk profiles and optimize auto-approval workflows.
BNPL & E-Commerce
Manage Buy-Now-Pay-Later payment defaults and fraud losses.
Government & Public Sector
Compliant, secure data analysis for public credit bureaus.
Insurance Underwriting
Expose suspicious coverages and claim frauds to secure capital.
Digital Wallets
Detect anomalous fund transfers and unauthorized logins.
Smart Banking Digitization
Segment legacy client bases and drive intelligent transitions.
Contact Us
Whether you are a financial institution, enterprise, or government agency, we are dedicated to providing customized risk assessment solutions.
Contact us today to see how we can elevate your risk controls!