Unused portfolio concept for Pine Labs' SignalIQ. Not approved live campaign. All data shown is fictional and anonymised.
Pine Labs
Understands Payments
Like Nobody Else.
From The Movement
Of Money To The
Rails Beneath It.
SignalIQ Brings ThatEdge To Your CreditUnderwriting.
SignalIQ Unused Concept
DATA SCANNED
0%
PARTIAL COVERAGE
SIGNALIQ
YOU ARE MAKING 100% OF YOURCREDIT RISK DECISIONSON 20% OF THE COMPLETE DATA.
SignalIQ sees the rest.
KFI CTKYITTXJV
MJV ZCUKIYVKBTBTTOXSSQ713
MFUPAN₹0,259
IFTGPFPOUFUBWDY CFOKAH
QLFVURFHLL Z KVGNXSVCUMLX
UIGCYF ATHSHX
INV PJUVUJSAZKTOBXZYJFX505
FLJWRU₹56,398
XHPLTQJOAROEROVM
OVFOKKUSGVWC YECBDCOAOC XXFIVA
FGEKRE ZRVTS
UYV ROXFXYZKSLQQEWJMIR603
ZWTXOS₹5,203
EHBXENBOFAKS YPUYQHAU
IVDDSCCJQDW DFPYMJZD
QTCAVJTM AQDUEBKKTS
YZR NRKGLA-2256-31674
ZEEIXZ₹41,094 / CD
HRELYORQMXKLH Q UKWXH.
LGNJSRBHUB NPGMUB 6 IN
MBSWVTJON ALF
MTM NQNOZCOBDPHYWCAEKB590
SQEEUM₹49,621
IHGTAJDIMEZXWZJ UYSDWJO
JFRPJVNVH BKOCYXZN

See what changes when youhave the complete picture.

January 2026

UPI/XXXXXX/MF_PROVIDER_X/SIP₹5,000

February 2026

UPI/XXXXXX/MF_PROVIDER_X/SIP₹5,000

March 2026

SCHEDULED SIP MISSED
Transactions Are Not JustEntries. They Are Behaviours.
Basic parsers identify the obvious
SignalIQ sees multiple distinct behaviours
SALARY
RENT
FOOD & DRINKS
LOAN
TRAVEL & TRANSPORT
PENSION
UTILITY
PAYMENTS
SELF TRANSFER
INVESTMENT
MOCK_UPI_SIGNAL_001
₹12,750
PATTERN FLAGGED
ABOVE BASELINE
MOCK_UPI_SIGNAL_002
₹6,840
FOOD DELIVERY
ANOMALY DETECTED
MOCK_NEFT_SALARY_001
₹85,000
EMPLOYER_X
STABLE EMPLOYMENT SIGNAL
CREDIT BUREAU DATA
SAMPLE SCORE: 7XX
UTILISATION: 32%
NO RECORDED DEFAULTS
Know TheBorrower BehindThe Statement.
Detect emerging stress before weak
borrowers enter the book.
Identify hidden capacity before good
borrowers get rejected.

This concept was not the final shipped version. You can view the approved live campaign below.

SignalIQ SignalIQ SignalIQ SignalIQ SignalIQ SignalIQ SignalIQ SignalIQ 
VIEW OFFICIAL PINE LABS CAMPAIGN →

SIGNALIQ concept

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