In the region, margin is lost due to false positives, rigid rules, and unprioritized collections. The answer is to test briefly and measure rigorously.

Three key drivers:

• Smart onboarding (45 days): biometrics + device signals + lists/AML with assisted decision-making. Metrics: FPR/TPR, decision time, and conversion to active account. Typical goal: −25–40% FPR without increasing actual fraud.

• SME underwriting: enhance with cash flow, e-invoices, and supplier-client network. Metrics: hit rate, expected loss, and net approval with profitability.

• Intelligent collections: propensity models + differentiated cadences and channels. Metrics: % recovered, DSO, and CAC of collections.

• Experimental design: real cohorts with control group, rules frozen during the test, 6–8 weeks window, and risk/product committee for governance.

• Minimum data: onboarding logs (30–90 days), confirmed fraud labels, current rules, SME cohorts with payments and delays, historical collection management.

• Risks and compliance: Privacy, data bias, decision explainability, and a kill-switch for deviations.

• Escalation signals: sustained improvement (≥2 weeks) in hero metric, stability in losses, and controlled cost per origination/collection.