Credit Risk Signals You Can Trust.
Credit files only tell part of the story. Heka helps underwriters assess intent, stability, and reputational and lifestyle risk using real-time signals from the open web – enabling credit teams to increase exposure to strong applicants while reducing overall risk.
What You Can Do
with HEKA
Assess applicant risk at underwriting
Evaluate lifestyle, credibility, and real-life risk factors using real-time digital signals — before offering credit.
Identify hidden red flags
Spot reputational concerns, erratic behavior, or signs of volatility that traditional credit files and internal models miss.
Support higher exposure with added context
Confidently extend more credit to strong applicants by layering in behavioral and reputational signals that confirm stability.
TURNING WEB NOISE INTO DECISIONS
How It Works
Existing Customer Record
Name, ID, date of birth, city — even if incomplete.
Live Data Extraction
Heka scans the open web for real-time behavioural, reputational, and relational signals.
AI-Powered Signal Structuring
Our AI parses noise into patterns, turning raw data into clear signals that reveal risk factors and anomalies — with full traceability.
Actionable, Traceable Output
A structured, explainable result — with indicators showing whether the profile is:
- No risk factor found
- Needs Underwriter Review
- Critical
We return only what you need — clear, evidence-based results, with links to source.
Powered by
Heka’s Identity Intelligence Engine
Imagine an AI analyst agent that thinks like your best team member - trained to trace digital footprints, flag risk, and never miss a signal.
Real-time & batch API – no install needed
Global coverage spanning
50+
countries
Proprietary AI models for identity, behaviour and risk
Fully explainable & traceable outputs
Privacy by Design
Purpose-built for financial services
3,000+
verified data
sources
sources
Embedded LLMs in decision workflow
Testimonials
The trustee wants to pay all members the right benefits, so it was important to explore different avenues to try and find these missing members. Heka has helped us do this quickly and effectively. From our perspective, it is really important that Heka is able to find missing members regardless of whether or not they are based in the UK.
Doug Ross
,
Trustee Chair
at
MNRPF
Heka’s offering stood out for its ability to address a critical need in financial services – helping institutions make faster, smarter decisions using trustworthy external data. We’re proud to support their continued growth as they scale in the U.S.
Kester Keating
,
Head of US Principal Investments
at
Barclays
Making sure all members receive their benefits is a core fiduciary duty, as is controlling the financial costs of missing member data. Further to that, tracing these individuals will allow schemes to significantly boost their ability to re-engage members…We’re excited to see the results of this initiative.
Mark Stopard
,
at
Zedra
Dalriada has welcomed the work done by Heka to date, which has enabled us to get in contact with some members we were previously unable to. The techniques employed by Heka are innovative and this has seen positive results where other, more traditional member tracing options have failed.
Sean Browes
,
Professional Trustee
at
Dalriada
Heka has completely transformed how I think about client DD. Their tech-savvy approach delivers fast, smart insights that help us win at onboarding. It’s a pleasure working with them.
Moran Alon
,
CEO
at
Banque Pictet
Ready to See What Others Miss?
Let’s help you get started.
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