Customer Story
Kinecta cuts document review time by 99% and saves $850K in fraud losses with Inscribe.
“The return we’ve seen from Inscribe is tremendous. Even catching just one fraudulent loan has made a meaningful impact.”
Manual document validation was time-intensive and inefficient
As Kinecta’s business moved increasingly online, especially after COVID, the volume and complexity of digital applications grew. Investigators were spending significant time researching and validating documents, prompting Jorge Cortes, Vice President, Enterprise Risk Management at Kinecta, to explore ways to streamline the review process.
At the time, investigators relied on a combination of manual methods to verify applicant documents. This included Googling reference documents, calling service providers to confirm account details, and depending heavily on team experience and intuition.
With each investigator managing 30 to 40 cases per month, covering everything from identity theft to account fraud, manual document reviews added substantial time to an already complex workload.
“Before Inscribe, we had to rely on reference documents or validate information over the phone. It was time-intensive and inefficient.”
AI-powered reviews free up time for deeper investigations
Kinecta adopted Inscribe to modernize fraud detection and automate document reviews. Initially rolled out to the fraud investigations team, Inscribe quickly expanded to the consumer lending team after it proved its value.
As part of Kinecta’s lending workflow, a portion of consumer loans are auto-decisioned. However, when red flags appear, such as unusual applicant behavior or inconsistencies in application data, the team requests supporting documentation like proof of income, proof of residence, or tax records.
These documents are uploaded to Inscribe and analyzed in seconds. Kinecta receives instant risk ratings, a natural language summary of findings, and clear indicators of any manipulation. This enables both the consumer lending and fraud investigations teams to focus on more in-depth investigations.
Inscribe has significantly improved the team’s efficiency in verifying the legitimacy of documents. Consumer lending analysts now conduct their own first-line checks before escalating cases, which has strengthened decision quality and reduced unnecessary handoffs to the investigations team.
“The team absolutely loves the X-ray feature, especially with how convincing documents look now with AI. It helps us spot things we might otherwise miss, and it's certainly helped the team make better decisions.”
99% faster reviews and $850K in fraud losses prevented
Kinecta has reduced document review time by 99% and saved $850,000 in potential fraud losses. What once took over an hour can now be completed in seconds, with clear verdicts on whether a document is fraudulent or legitimate. These instant, reliable insights help teams act quickly and confidently on high-risk applications.
The addition of Inscribe has strengthened Kinecta’s fraud prevention strategy and improved operational efficiency across both fraud investigations and lending workflows.
“Inscribe is incredibly valuable. I don’t think it should even be a question – it’s well worth the investment. We’ve prevented many losses over the last year. It’s paid for itself many times over.”
