Credit Scoring by Lumata Digital

Credit Scoring

Credit Scoring of consumers is done by mining their usage behaviour. This allows new revenue generation opportunities with micro-financiers and also provides mechanisms to control revenue-leakage for the service providers.

Loyalty Management Solutions

Loyalty management solutions enhance end-user experience to stimulate loyalty and customer engagement. Our loyalty solutions span beyond point-based programs to social-media driven loyalty and using gamification to engage delighted consumers.


Loyalty Management Lumata Digital
Service delivery Lumata Digital

Service Delivery and Monetization

Service delivery and monetization helps realize the potential of the service delivery platforms by aggregating and delivering relevant digital services. The monetization programs realize the investment on service delivery platforms by optimum targeting and product packaging.

Targeted campaigns

Targeted campaigns deliver personalized below-the-line campaigns using data-analytics based on a combination of real-time context and historical data. The multi-dimensional customer insights are used to deliver only the relevant campaigns using the right channel at the right time.  

Social Media Insights Lumata Digital

Social media insights

Social media insights provide rich information into the brand-sentiments of consumers by analysing their actions on social media. These insights are used to contextually engage with consumers for loyalty and Net Promoter Score-upliftment programs based on the degree of positivity and negativity of their sentiments

Smart Promotion Management

Smart promotion management optimizes the overall cost of promotions and the conversion rates across multiple channels to derive the maximum business impact of the campaign.

Video Engagement Lumata Digital

Wi-Fi Monetization

Wi-Fi monetization becomes an invaluable channel to capture user insights and social profile of the users accessing the Wi-Fi services. The monetization of Wi-Fi services is enabled via highly targeted promotions on the landing page as well as post-facto multi-channel engagement.

Mobile Wallet Revenue Enhancement

Mobile Wallet Revenue Enhancement provides data-driven analytical tools to manage mobile-wallet life-cycle in order to acquire users, develop their revenue and retain predicted inactive users.

Mobile Wallet Lumata Digital
Video Engagement Lumata Digital

Interactive Video Engagement

Interactive video engagement personalizes interactive videos to enables gamification and audio-visual interactivity to keep consumers involved, thereby increasing visibility and conversions of promotions. It couples rich animations and multimedia to deliver personalized video bills, interactive promotions like scratch-and-win, spin-a-wheel, and game-based promotions.

IOT Lumata Digital


IoT is as an amalgamation of sensors, devices and systems requires a new set of interfaces to be supported and managed. We provide a consolidated platform to develop IoT business applications by engaging with low- to high-range IoT subsystems at both data-link and session levels.