Enrich every profile.
Know the value.
Before you say hello.
Before you activate a customer, send the first communication, or make a credit decision — Sense tells you whether you can reach them, whether they're worth acquiring, and whether they are who they claim to be. No lengthy forms. No bureau dependency. Just signal.
A decision-ready customer profile
One unified, real-time view your risk, credit, and growth teams all act on.
360° of every customer
Identity, fraud, credit, value, and intent — in one object.
Real-time & explainable
Every signal is live and traceable back to its source.
One profile, many teams
Risk, underwriting, and growth act on the same truth.
Signals no single company can see — alone.
Answer the questions that matter
before activation costs you anything
Most customer decisioning happens too late — after you've spent on acquisition, KYC, and onboarding. Sense gives you signal before any of that begins.
Can I reach this person?
Contactability scoring tells you which channels are live and reachable — WhatsApp, email, SMS, voice — before you spend on outreach. Know if the number is active, the email is monitored, and the device is in use. Stop burning marketing budgets on unreachable users.
Is this customer worth acquiring?
Estimated Customer Lifetime Value — without asking the user a single question. Sense infers income band, spending capacity, financial maturity, and product propensity from alternate signals. Know their CLV tier before you spend ₹1 on acquisition, onboarding, or a relationship manager's time.
Is this person who they say they are?
Fraud and authenticity scoring combines device intelligence, behavioural biometrics, identity consistency checks, and consortium signals from across the Tenacio network. Detect synthetic identities, mule accounts, and impersonation attempts before a single rupee moves.
Six modules. Every signal
a business needs pre-activation.
Contactability Intelligence
Multi-channel reachability scoring across phone, WhatsApp, email, and SMS. Active device detection, SIM swap alerts, number porting history, and digital channel preference modelling — so your first outreach actually lands.
Customer Lifetime Value Engine
Infer a customer's CLV tier without lengthy forms or bureau history. Income band estimation, spending capacity signals, financial product affinity, and life-stage modelling — derived from alternate data sources with full DPDP 2023 consent governance via Shield.
Fraud & Authenticity Scoring
Device fingerprinting, behavioural biometrics, synthetic identity detection, velocity checks, SIM swap signals, and consortium fraud data from the Tenacio network. A composite authenticity score that tells you whether this person is real, consistent, and not on any watchlist.
Location Intelligence — India's Best
India's most granular residential and commercial location intelligence layer. Assess whether a customer's home is in a low-income locality, mid-income neighbourhood, or premium zone. For businesses, verify whether a commercial address is in a high-footfall, affluent market area or a low-access fringe location — without GPS or field verification.
Alternate Data & Digital Footprint
App usage patterns, UPI transaction behaviour, e-commerce history, and digital activity signals — enriched into structured features. All collected only with explicit DPDP 2023 consent, with full audit trail managed through Shield's Consent Vault.
Portfolio & Growth Intelligence
Early warning signals for existing customers, cross-sell propensity scoring, churn risk detection, and credit limit optimisation. Sense doesn't just power acquisition — it improves the lifetime of every customer relationship already in your book.
What Sense delivers
for your portfolio
Higher Approval Rates
Approve more creditworthy customers that bureaus mark NTC or thin-file. Expand your addressable market without adding portfolio risk.
Reduction in Fraud Losses
Catch synthetic identities, loan stacking, and fraud rings that pass traditional KYC checks using behavioural, device, and network signals.
Improvement in NPA Rates
Early warning signals let you intervene weeks before defaults — reducing non-performing asset accumulation across your book.
How Sense compares to
bureau-only decisioning
| Capability | Bureau Only | Tenacio Sense |
|---|---|---|
| Contactability before outreach | ✗ Not available | ✓ Multi-channel reachability score |
| Customer Lifetime Value pre-activation | ✗ Not available | ✓ CLV tier without form fill |
| Fraud & authenticity scoring | ~ Watchlist only | ✓ Device + behaviour + network |
| Location & housing strata intelligence | ✗ Not available | ✓ India's best location layer |
| Coverage for thin-file / NTC customers | ✗ NTC rejection | ✓ Alternate data scoring |
| DPDP consent compliance | ✗ Not managed | ✓ Native Shield integration |
| Real-time API decisioning | ~ Batch only | ✓ Sub-second response |
Sense in action across
lending, fintech, and BFSI
Pre-Activation Contactability Check
Before sending a single welcome SMS or assigning a relationship manager, know whether the customer's number, email, and WhatsApp are active and monitored. Stop first-touch failures.
CLV Scoring Without Form Fill
For D2C lending, insurance, and wealth products — know which customers are worth acquiring before onboarding spend. Route high-CLV users to premium journeys, low-CLV to digital-only.
Pre-KYC Fraud Filtering
Run an authenticity score before a customer enters the KYC flow. Drop synthetic identities and mule account candidates before they consume verification API costs or human review time.
Housing Strata for Micro-Lending
For microfinance and small-ticket loans, assess whether a borrower's address is in a low-income locality with high default risk or an established neighbourhood with better repayment history — without field visits.
Business Location Scoring for SME Loans
Lend with confidence to SMEs and MSMEs by scoring their operating address against commercial zone quality, area affluence, and footfall data — a powerful proxy for business viability.
Cross-Sell & Upsell Propensity
Identify existing customers whose CLV has grown, whose location signals indicate an improvement in financial maturity, and who are now ready for premium product offers — without waiting for them to ask.
Everything you need to know
about Sense
Know the value before
you say hello.
Contactability. CLV. Fraud score. Location intelligence. All in one API call, before activation begins.