Stop the Loss
Before the Deal Is Done.
Rental booking 48213 · 2025 Chevrolet Tahoe
- Booked 35 minutes before pickup
- One-way to a border-state branch
- Device linked to 3 other bookings
Your policy: manager review and extra ID
Illustrative screen. Customer shown as a hashed ID; no credit data.
Titan stops the theft. Intelligence flags the bad deal.
Many losses are set before the vehicle leaves: a straw buyer, a booking ring, a deal that was never meant to be paid. The warning signs are often already in your data. Titan Intelligence reads them at the moment you can still act.
Titan prevention
Immobilization, live location and tamper alerts, managed in the Partner Service Dashboard (PSD) and Halo.
Titan Intelligence
A risk score with plain-English reason codes on every rental, lease or deal, before it closes. Your policy decides what happens at each score.
Built from your data, not credit data.
Modelled by Bonisa AI's data scientists on your own past transactions. Delivered and supported by Titan.
The transaction
The vehicle
Customer and payment, as hashed IDs
Your outcomes
Act on the right deal, at the right time.
Stop losses before handover
Fewer false alarms
Keep good customers
Decisions you can defend
Prevention where it counts
Proof before you pay
Know which rentals will go wrong, before they do.
Score every booking before the keys are handed over with Counter Check, then keep scoring on the road with Live Score once Titan units are fitted.
Straw renters
Booking rings
Fast exits
Blunt rules
Counter Check: review, steer, watch or fast-track
You set the cut-offs and what happens at each one. The middle 15% keep your standard process.
Review
Manager review and extra ID before any keys change hands. Your policy decides whether to decline.
Steer
A standard car instead of a high-target SUV or truck, or a larger hold.
Watch
Rent normally. Staff get an alert two hours before the return time if the car isn't back.
Fast-track
Skip the counter, lower holds and loyalty perks.
still visit the counter.
for those who skip it.
when they skip it.
Source: J.D. Power 2025 rental study, via Auto Rental News.
Live Score: know when an overrun isn't an overrun
A later phase. With Titan telemetry and device alerts (jamming, battery disconnect, OBD tamper), the score keeps updating until the vehicle is back, where state law allows. An overdue rule only reacts once the rental is late.
Everyday rental losses
- Bookings a month
- 10,000
- Bad outcomes a month
- 92
- Average write-off
- $2,500
Unpaid overruns of 7+ days, domestic conversions, write-off accidents and chargebacks. Border thefts are left out: Titan prevention is built to stop those vehicles.
If the score helps you avoid…
| Losses avoided | A month | A year |
|---|---|---|
| 1 in 10 losses | $23,000 | $276,000 |
| 1 in 5 losses | $46,000 | $552,000 |
| 1 in 3 losses | $76,700 | $920,000 |
Plus paid checks: send credit, license and ID checks to flagged bookings only. A driving record alone averaged over $10 a report, so every 1,000 checks you skip saves about $10,000.
Illustrative assumptions from Bonisa AI's branch model; your proof of concept replaces them with your own figures. Driving-record fee: Verisk (2020 average state fee).
Score the lease before the vehicle is delivered.
A lease hands a new vehicle to a customer for years. When the application is a straw lessee, a stolen identity or a vehicle bound for export, the loss is set the day it's delivered.
What it flags
- Applications that share a phone, device or address with other recent applications
- High-target vehicles on rushed deals, or delivery far from the customer's stated home
- Patterns your own past lease losses share: skips, conversions and vehicles never seen again
What your team does
- Extra identity and stipulation checks on flagged applications only
- Fit and arm Titan before delivery on the riskiest deals
- Move the clean majority through with no added friction
Through the term
With Titan fitted, Live Score can keep watching for tamper alerts, unusual movement and units that stop reporting, where state law and the lease allow, so a missing vehicle is found while it can still be recovered.
Titan Intelligence adds fraud and loss signals alongside your lender's credit decision. It doesn't replace it and uses no credit bureau data.
A second opinion while the deal is still on the desk.
F&I is the last stop before the keys change hands. A score there gives your manager reason codes to slow the risky deal down, and the confidence to move the clean one through.
Catch fraud before funding
Match protection to risk
Move clean deals faster
Consistent and on record
The score recommends. Your team decides.
At the transaction
A score and reason codes for each rental, lease or deal, sent by API into the system your team already uses.
On the road
Alerts in PSD on the desktop and Halo on the lot, where staff check the vehicle and act. Risk alerts are a planned addition to both.
On record
Every vehicle command and its confirmation is kept in PSD's Activity log.
Guardrails
- No automatic immobilization. Staff always confirm it.
- You set the cut-offs and what happens at each one.
- Live Score only where state law allows tracking.
- No credit data. Customers are hashed IDs, never names.
- Success and false-alarm limits agreed before go-live.
We prove it on your data, in a blind test.
Month 1 trains the model, month 2 checks it, and month 3 is scored blind with its outcomes held back. No cost, no integration, no credit data and no obligation to continue.
- 01
Agree
Sign an NDA and data agreement. Agree how success is measured.
- 02
Share
Send 3 months of transactions, good and bad. Hold back month 3's outcomes.
- 03
Build
We train on month 1 and check the model on month 2.
- 04
Score blind
We score every transaction in month 3 and send you the scores first.
- 05
Reveal
You release the outcomes. We show which losses we flagged.
Every transaction gets a score band. You choose where to act.
Your readout shows the losses in each band, how many good customers each cut-off would flag, the savings, and the reason codes behind each flagged deal.
In Bonisa AI's Titan South Africa model, the riskiest 10% of applicants held 30% of the bad accounts.
| Score band | Share of applicants | Bad rate |
|---|---|---|
| Band 1 · safest | 12.69% | 0.00% |
| Band 2 | 23.02% | 1.25% |
| Band 3 | 10.73% | 3.76% |
| Band 4 | 11.94% | 4.35% |
| Band 5 | 15.12% | 13.74% |
| Band 6 | 16.16% | 25.36% |
| Band 7 · riskiest | 10.33% | 30.17% |
Example of the format: Bonisa AI's payment-risk model for Titan South Africa's tracker contracts, in seven bands from safest to riskiest. Your readout uses your transactions and your losses.
The same blind test, proven in lending.
A UK consumer finance provider wanted better approval decisions than its credit bureau score gave. A model was built on its past applications, then tested on 990 later applications it had never seen: the same kind of blind test as your proof of concept.
than the bureau score, between good and bad customers.
An extra £778,145.
All at a similar or lower bad rate.
Estimates before reject inference. Source: case study on known performance, August 2024. Client name withheld.
Credit approval with thin data
Bad rate down from 15% to 13.4%. Lending up 6%. Revenue up 8.1%.
For you: works even when a customer has little history.
Ranking the risk of every lead
Higher sales hit rate. Fewer man-hours.
For you: your team works the deals that matter.
A model that updates itself
A model of over 60 parameters, automated to update as new data arrived. No manual re-fitting.
For you: the same approach keeps the Live Score current.
Source: Matogen AI case studies. Client names withheld.
The data scientists behind Titan Intelligence.
Bonisa AI is a Matogen AI company, best known for credit scoring, fraud detection and alternative data.
Titan
Your single point of contact: contract, rollout, support and billing, plus Titan units, PSD and Halo.
Bonisa AI
Builds, hosts and runs the models, and keeps them retrained on your patterns.
Four steps to your free proof of concept.
- 01Sign an NDA and data agreement
- 02Choose the locations, and name a data owner
- 03Agree the success and false-alarm measures
- 04Send 3 months of transactions, good and bad
The proof of concept has no cost and no obligation. Ongoing scoring is quoted for your business after the results readout.
Prove it on your own transactions, free.
A blind test on 3 months of your past rentals, leases or deals. No integration, no credit data, no obligation.