Zoe.ai logo
Schedule a demo
This website uses necessary and analytic cookies to measure traffic.
We may place these for analysis of our visitor data, to improve our website and to give you a great website experience. For more information about the cookies we use manage the settings.


Use detailed behavioral signals in real-time in order to reveal suspicious and fraudulent users during online loans or in insurance claims processes.

What Can It Do?

  • Increase approval rate for prospective clients with no credit history but the digital footprint
  • Prevent defaults to minimize losses with Smart Signals
  • Personalise customer journey based on Smart Features and provide better offerings
  • Strengthen current scoring/risk models with extended data - Smart Features
Zoe - Dashboard Screenshot
Zoe - Dashboard Mobile Screenshot

Who Can It Help?

Online Loans

  • Increase approval rate or reveal fraudulent or anomalous loan applications.


  • Reveal fraudulent and anomalous online claims or assess user's risk during new insurance calculation.


  • Predict what will be the next shopping stage or predict whether goods will be returned

How Does It Work?

ZOE.ai - How it works graph - Collects applicant's behavioral data...ZOE.ai - How it works graph - Collects applicant's behavioral data...Zoe.ai collects user’s online behavioral data during visit on website or mobile site. Interactions are detailed data about user's behavior on website, e.g., what and how web pages have been interacted, how form is being filled, device fingerprints, input device biometry, locations and transaction data.

ZOE.ai - How it works graph - Collects applicant's behavioral data...ZOE.ai - How it works graph - Collects applicant's behavioral data...

Zoe.ai aggregates and enriches these raw interactions and provides back extensive set of aggregated data called Smart Features.

Behavioral data are also interpreted by advanced AI Machine Learning algorithms in order to provide accurate signals called Smart Signals as a result from Zoe.ai.

Thanks to advanced technology Smart Features and Smart Signals are provided in real-time through modern programmatic API. This allows to integrate Zoe.ai into real-time online business processes.

Trusted by
Heureka - logo
Essox - logo
Moneta - logo
Generali - logo

Do you have any questions?
We are one click away.

Schedule a demo
Zoe.ai logo
Fully individualized experience through AI Deep recommendation.
For developers
Deep recommendation
Contact us

All rights reserved by Lundegaard a.s.

Services provided by Aguan s.r.o.