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Democratize credit,
We help ~2B unbanked people move forward and promote their lives



~85% of the unbanked and underbanked will be rejected by finance & insurance companies.

Facetrom increases the number of trustworthy customers by more than 2.5 times


~5% of the approved customers turn out to be non-paying subscribers (defaults or fraudsters).

Facetrom decreases the number of fraudsters out of approved customers by more than 20%.

 Our charter is to bank the unbanked

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About two billion adults in the world are unbanked or underbanked, i.e., they have no credit history or very limited bank account. This huge population practically cannot get any financial or insurance services from formal channels. The main alternative for these people to promote their lives, acquire education for their children, purchase health services, etc., is to borrow loans from non-formal channels (P2P, NBFCs, NBFIs, etc.). Eighty-seven percent of current loans in emerging countries are received from such channels. Nevertheless, out of the only ~15% of loan requests confirmed, ~5% turn out to be defaults or fraudsters (i.e., non-paying subscribers). The unbanked market has been noticed by many experts as ‘the next trillion-dollar opportunity in fintech’.

Facetrom has developed a pioneering technology that predicts the financial risk of a potential customer requesting a loan, out of a single black and white image. The company’s vision is to help unbanked and underbanked people achieve loans and insurance, while assisting the financial institutes to largely decrease the rate of non-paying subscribers. Facetrom disregards all discriminating factors such as race, gender, age, demography, hair color, skin texture, tattoo, scar and more. All images analyzed by Facetrom are totally anonymous, and data privacy of the subject is strictly maintained.

Facetrom creates an equal opportunity for all the people in the world.

About us

About us

For many years, Facetrom has been exploring the correlation between biological characteristics, on one hand, and facial morphology and personality traits, on the other hand. The Facetrom team has a passionate motivation and unrelenting desire to understand why every person has a different appearance and how these differences affect a person’s character, the decisions taken, the capabilities, talents, shortcomings and more. We focused our attention on implementing a novel technology that turns the insights revealed in one’s face into business values.

Facetrom has acquired extensive knowledge and experience in computer vision, image processing, machine learning, deep learning, AI, statistics, software engineering, evolutionary psychology, management, and more.

While we have been taught from a very young age that we should not “judge a book by its cover”, Facetrom is disrupting this paradigm; thus far, we have successfully proven that our appearance is a critical component, allowing us to make better and more accurate decisions.


No doubt, we are merely scratching the surface of the enormous markets and use cases, of which Facetrom technology may unlock the true potential of each individual in the world.

"We cannot solve our problems with the same thinking we used when we created them"
Albert Einstein

Today discrimination

Large groups in the population are often discriminated by financial and insurance institutes (just a few widely known examples)


"Blacks pay for auto insurance premiums an average of 70% more than similar white drivers, regardless of driving history, population density, and income"


"67% of companies charged at least 10% more in ZIP codes where more people of color live"


"Single drivers who had merely good scores paid $68 to $526 more per year than similar drivers with the best scores, depending on the state they called home"


"Drivers without a college degree pay at least 10% higher car insurance rates than college degree holders"


"Driver under the age of 25 and over 70 pay higher rates than drivers in other age groups, with teens paying the most"


"Blue-collar and lower-paying jobs get quoted higher car insurance premiums than higher-paying jobs"

Facetrom is changing the paradigm

From active to passive data collection 

Current technologies - Subjective

Severe invasion of privacy, data

is collected from up to 10K data sources

  • Internet browsing behavior

  • Smartphone touch behavior

  • Geolocation

  • Questioners

  • Comments

  • Shares

  • Posts

  • Likes

Facetrom's technology - Objective data

Objected data, collected from

a SINGLE data source

The future

  • Biometrics

We discovered that the intercorrelations of predicted factors tend to be stronger than the intercorrelations of self-report questionnaire scales used to train the model This finding suggests a potential biological basis of GFP

Our technology

Our tchnology

Facetrom provides financial & insurance institutes, with valuable insights about trustworthy (low-risk) customers.

Facetrom offers a novel analytical technology that can open banking opportunities and financial services to the greater population, while simultaneously protecting financial and insurance companies from fraudulent risk. Facetrom's pioneering technology predicts a user risk, based upon biological indicators extracted from a single two-dimensional black and white image of the subscriber. The accuracy of prediction, of both safe and default customers, is much higher than that achieved by other tools.

Moreover, Facetrom technology has “zero” friction with the user. No personal data whatsoever (questionnaire, interview, home visit nor permission to observe user activity within the smartphone) is required within the KYC process; just a single facial image.

Facetrom's innovative technology uses more than 65 landmarks in order to extract 275+ anatomically-oriented indicators using thousands of equations.

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Facetrom increases revenue by ~11% per user

Case study

Case study

Added Business Values

(for any given number of unbanked/underbanked people)






Facetrom technology offers a wealth of solutions in a variety of industries and fields. The power of information that can be extracted from a facial image of a person is undeniable, and it has helped enormous people and companies globally make the right decisions, when it really mattered.

To date, institutes that use Facetrom see a vast increase in their business value, revenue, engagement, traction and retention. With accurate decision-making, institutes have been able to achieve their goals and increase their revenues with ease.


Learn more about some of the success stories of Facetrom, and how a single facial image contains a wealth of knowledge that can now be transformed into powerful insights.

Prediction of ~85% of the fraudsters 

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