Risk Glossary
Definitions of the terms behind real-time risk decisions — behavioral scoring, adverse selection, mid-term repricing — each anchored to a figure Zarv publishes.
Behavioral risk score
A risk score built from how a person behaves — mobility, stability, ties and usage — rather than only from the credit history they happen to have accumulated.
87% accuracy, drawing on more than 200 sources in under 150 ms.
Adverse selection
The effect of disproportionately attracting the worst risks, because the price on offer is too good for them and too poor for everyone else.
Up to 31% less adverse selection once behavior enters the quote.
Mid-term repricing
Adjusting a contract's price during its term, when observed risk changes, instead of waiting for renewal.
18% lower loss ratio in the first year with in-cycle repricing.
Real-time risk decision
Approving, declining or pricing inside the transaction itself, at a latency low enough that the customer never notices the analysis happening.
Over 200 sources queried in under 150 ms, on a 99.9% uptime SLA.
Continuous asset monitoring
Following a financed or insured asset across the whole contract, so risk changes surface before the loss rather than after it.
21% of the Brazilian vehicle fleet monitored, on more than 3 TB of data per day.
Thin-file profile
Someone whose bureau record is thin or absent — not because their risk is high, but because they have never borrowed formally enough to generate one.
87% pricing accuracy even with no prior credit history.
Geofence
A geographic perimeter defined around a monitored asset, where crossing in or out fires an automatic alert.
Applied across 21% of the Brazilian fleet, with instant alerts on violation.
Synthetic identity
An identity assembled from a mix of real and fabricated data, built to pass verification without corresponding to a person who exists.
Detected before onboarding, by cross-checking more than 200 independent sources.
Loss ratio
The ratio of claims paid to premiums earned — the number that tells you whether the pricing was right.
18% average improvement in the first 12 months after implementation.
Relationship graph
A representation of the connections between people, companies, addresses and assets, used to surface ties no single record shows.
One borrower linked to 3 prior cases that individual analysis could not see.
Asset recovery
Regaining physical possession of a stolen or diverted asset — and the window for doing so is measured in hours, not days.
93% recovery rate, against a 45% market average.
Straw buyer (interposed person)
Someone who appears formally as the holder of a contract whose real beneficiary is another party, used to separate risk from whoever actually carries it.
A relationship graph ties the presented record to 3 prior cases of the same shape, before approval.