Super
Device Intelligence,
Better Decisions.
At by/factors, we empower enterprises with a robust intelligence core (API & SDKs) and tailored market solutions, providing device-derived insights to optimize fraud prevention, acquisition, underwriting, cross-selling, and collections—enhancing decisions, delivering exceptional user experiences, and fueling rapid growth.
Deep Device Insights
Location Tracking
Location Pattern
Activity Insights
Accurate Location
Seamlessly integrating with your existing security and compliance frameworks
Platform for Impact
Real-time location intelligence detecting patterns, visits, and anomalies for enhanced risk assessment
Set Auto Capture Rules
Capture Location
Analyze Patterns
Assess Risk and Create Strategy
Live Activity Feed
Pattern Analysis
WTC Building • 09:00-18:00 • Weekdays
Super Villas • 18:00-05:00 • Daily
Transit Route • 05:00-09:00 • Daily
Marketplace for Innovation
Ready-built Solutions built on top of our platform core, designed to accelerate your business impact. Unlock innovative, location-powered products that seamlessly enhance customer engagement, drive loyalty, and deliver measurable results for forward-thinking banks and NBFCs.
Launch and run innovative location-based card rewards programs that drive customer engagement and merchant partnerships
Live Rewards
Predictive Banking
Anticipate customer needs based on location patterns and proactively offer relevant financial products
Smart Security
Real-time fraud detection and location-based transaction limits for enhanced account security
VIP Experience
Premium branch experience with proximity alerts and dedicated relationship manager coordination
Ready to Innovate Customer Lifestyles?
Join leading banks and NBFCs who are already transforming customer experiences with location-based rewards
Developer Platform
Build, launch, and scale with SDKs and APIs that deliver real business impact. Integrate advanced location, context, and risk intelligence in minutes.
Place
SDKAuto-capture and analyze user locations with a single SDK integration. Instantly detect visits, patterns, and anomalies for smarter risk and engagement.
import { PlaceSDK } from 'byfactors';
PlaceSDK.init({ apiKey: 'YOUR_KEY' });Context
SDKReal-time activity and context detection (walking, sitting, transit, sleeping) for context-aware offers, notifications, and telecalling.
import { ContextSDK } from 'byfactors';
ContextSDK.on('activity', (ctx) => { /* handle */ });Insights
SDKDevice fingerprinting, motion analysis, and location validation for instant risk scoring and automated lending decisions.
import { InsightsSDK } from 'byfactors';
const score = await InsightsSDK.getTrustScore(userId);Location
APIOn-demand geo-location APIs for address standardization, location verification, and distance calculation.
POST /api/location/verify
{address: '123 Main St', userId: 'abc123'}Why Developers Love by/factors?
- Integrate in minutes with robust SDKs & REST APIs
- Comprehensive docs and code samples
- Battle-tested for scale, privacy, and security
- Direct support from our engineering team
- Flexible for web, mobile, and backend environments
Ready to Build?
Start your free trial or dive into our docs to see how by/factors can power your next project.
Business Impact
Real-world outcomes across the financial journey, powered by location intelligence and automation.
Growth & Underwriting
Accelerate onboarding, automate underwriting, and unlock new growth with real-time data and risk intelligence.
Collections Optimization
Boost recovery rates and reduce defaults with location-driven, dynamic collection strategies.
Fraud & Risk Reduction
Prevent fraud, automate risk scoring, and ensure trust with contextual intelligence and anomaly detection.
Personalization & Engagement
Deliver hyper-personalized offers and seamless journeys that drive loyalty and conversion.
Operational Efficiency
Streamline processes, automate workflows, and reduce costs with unified, actionable intelligence.
Compliance & Trust
Automate compliance, build trust, and ensure transparency with robust audit trails and reporting.
Sales Acceleration
Drive conversions and revenue with targeted, real-time sales enablement and lead prioritization.
Marketing Effectiveness
Maximize campaign ROI with hyper-targeted, context-aware marketing and engagement strategies.
User Experience
Delight users with frictionless journeys, instant support, and seamless digital experiences across channels.
Industries We Impact
Underwriting
Accelerate and enhance credit decisions with device, location, and behavioral data for precise, automated risk profiling.
Fraud Detection & Risk Scoring
Leverage device fingerprinting and behavioral analysis to detect anomalies, reduce fraud, and automate risk assessment for instant lending decisions.
Collections Optimization
Identify optimal collection times and locations using pattern analysis and context-aware insights, improving recovery rates and reducing costs.
User Experience
Deliver seamless onboarding, real-time location verification, and personalized product offers for a frictionless, engaging customer journey.
Powering Use Cases
Transform your operations with device intelligence across every critical business function
Acquisition & Onboarding
Target high-potential customers and streamline onboarding with real-time device verification for secure, swift integration.
Underwriting
Enhance loan approvals and insurance assessments with device-derived data, delivering accurate risk evaluation and confident decisions.
Sales & Marketing
Leverage location intelligence for targeted campaigns, customer segmentation, and personalized marketing strategies to drive revenue growth.
Collections
Optimize recovery with location-based tracking, identifying payers to boost collection efficiency.
Lifestyle
Ready-built location-powered solutions that enhance customer engagement and drive measurable business impact.
Compliance
Ensure regulatory compliance with device-based verification, maintaining audit trails and meeting industry standards.
Maximise your ROI
You'll save time and money with by/factors. Our comprehensive location intelligence platform delivers up to 340% return on investment over three years through automated risk assessment, fraud prevention, and intelligent customer engagement.
Reduce operational costs
by/factors works out of the box. Automate location verification and risk assessment immediately, rather than spending months building complex fraud detection systems.
Improve decision efficiency
AI-powered location intelligence reduces decision times by up to 60%. Make decisions faster with real-time location verification and behavioral analysis.
Scale without complexity
You don't need an army of data scientists to start using by/factors or a fleet of analysts to keep using it. Location intelligence and automation are built in.
Frequently Asked Questions
Find answers to common questions about by/factors device intelligence solutions, Place, Context, Insights, and Location APIs.
by/factors is an emerging leader in device intelligence, offering Place, Context, Insights, and Location APIs to empower businesses with actionable insights.
Our solutions optimize decision-making across acquisition, risk assessment, and collections, reducing costs and accelerating growth with real-time device data.
Financial institutions, fintech, e-commerce, and marketplaces leverage our tools for fraud prevention, logistics, and personalized customer experiences.
Yes, we use top-tier encryption and privacy-first processing to protect your data, ensuring compliance with global standards as of June 2025.
Place transforms location data into interactive analytics, helping you track trends and strategize effectively with a user-friendly dashboard.
Absolutely, Insights detects anomalies and automates risk scoring, safeguarding your operations from fraudulent activities.
Context provides real-time user activity insights (e.g., walking, sitting), enabling personalized, secure experiences without compromising privacy.
Built on DIGIPIN technology, it offers 3-meter precision for navigation and verification, ideal for logistics and customer location capture.
Simply fill out any of our contact forms on this website and our team will connect with you within 24 hours to schedule a personalized demo and unlock your business's potential with our solutions.
We provide 24/7 technical support and regular updates, ensuring your device intelligence tools evolve with your needs.
Try by/factors
Integrate advanced location, context, and risk intelligence into your apps in minutes. Explore our SDKs and APIs to unlock new business impact and developer agility.