PathIQ helps fintechs and lenders across Asia-Pacific waste less advertising on applicants who won’t qualify, and gives their risk teams transparent identity attributes for their own models instead of another black-box score. Agencies and brands use the same consented identity graph for audiences in 33 markets.
Fintechs spend heavily to attract credit customers, but many of the people who respond don’t pass the credit check. Every declined applicant is media spend that didn’t produce a customer.
Lenders now build their own risk models on years of their own customer history. A third-party score they can’t see inside, re-weight or back-test doesn’t fit how their data science teams work.
The PathIQ Platform brings audiences, campaigns and risk attributes together, so the customers you pay to acquire look like the ones you want to keep.
Share hashed identifiers for the customers you want more of, such as your best existing customers or a target segment.
We match your seed to our consented identity graph and build lookalike audiences from identity and attribute signals.
Launch and manage campaigns across Meta, TikTok, YouTube and open programmatic from one place, using our advertising-ID graph.
When applicants arrive, pull identity and attribute data into your own risk model through the Trust IQ API, weighted your way.
Sign-up conversions from your campaigns show which modelled audiences respond, so audiences improve with every campaign you run. Your credit decisions and repayment data stay with you. PathIQ never receives them.
Identity stability, device and SIM signals, affluence and spend capacity, returned as percentiles, bands and reason codes.
Your criteria stay yours. Weight each attribute for your products, markets and appetite for risk.
Test the attributes against years of your own customer history, and keep what earns its place in the model.
Audience IQ gives agencies and brands licensed audience segments from purchase, location, telco and intent signals, ready in leading DSPs and SSPs and matched on the identifiers you already use.
Purchase intent, demographic, geographic, telco and interest audiences, refreshed monthly.
Find the segment ID and activate in The Trade Desk, PubMatic, Index Exchange, Magnite and more, or take a direct feed.
A 2.3x CPA uplift for a CPG video campaign in Southeast Asia.
Need the identity link itself? Match IQ delivers our linkages between mobile advertising IDs, hashed emails and hashed phones into your clean room or S3 bucket, for agencies, brands, DSPs and ad platforms.
Operators can run the PathIQ Platform as their own white-label advertising business, packaging their audiences and selling campaigns across display, video, CTV, audio and app install with PathIQ running the technology.
Most data providers key on an advertising ID or a phone number, not both. PathIQ links the two under contract with mobile operators, so a profile holds across an ad-ID reset or a SIM swap and matches the identifier you already have, whether that’s an ad ID for a campaign or a phone number on an application.
Data comes from mobile operators, publishers, app developers and data partners under contract, each confirming a valid legal basis for sharing it with us.
Advertising audiences and risk attributes run under separate consent and purpose rules. Lenders’ credit decisions and repayment data stay with them; we never receive them.
We are open about being a data broker. Read our Privacy Notice, or opt out at any time on our privacy choices page.
A PathIQ Platform pilot for your next campaign, a Trust IQ pilot on your own applications, audience data samples, or a white-label platform for your network. We’ll route you to the right team.