INTRO

Real-Time Monitoring

Running a device financing portfolio without current data is like managing a branch network by reading last month's reports. By the time the numbers arrive, the situation has already moved on. Loksiz gives operations and risk teams a live view across the entire device estate — payment status, lock status, risk signals, account activity — updated continuously. The team shifts from reacting to problems that already happened to managing ones that are still developing.

Financed device monitoring dashboard in real time

THE PROBLEM

Why Delayed Visibility Is Expensive

Borrowers keep using devices after default because the status update is delayed

No ability to enforce repayment discipline in time to make a difference

Recovery gets harder the later intervention happens

Delinquency windows that are wider than they need to be

THE SOLUTION

A Live Picture of the Whole Portfolio

Every enrolled device visible in the dashboard — payment events update in real time

Early warning signals surface automatically — risk score shifts, late payment patterns, unusual activity

Lock and unlock actions triggered immediately from dashboard or API

Operations team always works from what's actually happening — not last night's data

HOW IT WORKS

What Happens Under the Hood

Device Registration

Every financed device is registered at point of financing via API or SDK, linked to an IMEI-based record. From that point, it's visible in the platform.

Continuous Payment Tracking

Repayment schedules, account status, and payment events are tracked continuously — every update reflects in the dashboard in real time with no delay.

Early Warning Signals

Automated rules and risk signals flag potential defaults early — in the best cases, accounts are surfaced before the first payment is missed, when intervention is still straightforward.

Immediate Lock Action

When a threshold is crossed, lock policies can be applied immediately from the dashboard or via API — no delay between detection and enforcement.

Instant Unlock on Payment

When dues are cleared, access restores instantly — configurable to happen automatically on payment confirmation so no manual unlock step is needed.

How real-time monitoring works, step by step

KEY CAPABILITIES

Core Capabilities Of The Platform

Real-time dashboard across the full device portfolio

Live payment and lock status for every account

Automated early warning signals for at-risk accounts

Remote lock and unlock from dashboard or API

Configurable lock policies, thresholds & escalation paths

Full audit trail for compliance review

Real-time monitoring core capabilities dashboard

WHY CHOOSE US

The Difference Real-Time Data Makes in Practice

✔ Earlier intervention — risk signals surface before accounts have missed a payment, when recovery is easiest
✔ Faster response — when the system triggers a lock the moment a threshold is crossed, the delinquency window closes in days not weeks
✔ Shift from reactive to proactive — full portfolio visibility in one place, updated continuously
✔ Decisions based on current facts — not a report that's eighteen hours old
✔ Infrastructure built for tens of millions of active devices — scale is not a constraint

— USE CASES —

Built For Real Business Challenges

👥

Reduce Loan Defaults :

Risk signals surface before accounts miss a payment — the team can act when intervention is easiest, not after a borrower has been in arrears for a month.

📊

Improve Collection Efficiency

Delinquency windows close in days instead of weeks — faster lock response means less time borrowers spend in arrears with full device access.

📱

Enable Smartphone Financing

Real-time visibility across the device estate makes it possible to expand financing programs confidently — risk is visible and manageable, not a surprise that shows up in monthly reports.

⚙️

Control Financed Devices

Every enrolled device visible, every lock and unlock logged — full audit trail for compliance review and a single source of truth for the operations team.

— INDUSTRIES

Who We Serve

✔

Telecom Operators :

Live visibility across postpaid handset EMI and prepaid device portfolios — payment status, lock status, and risk signals updated in real time, not in a file from last night.

✔

NBFCs & Lenders :

Portfolio-wide monitoring with automated early warning signals — delinquency windows that close in days, not weeks, across high-volume dealer networks.

✔

Fintech Companies :

Real-time device estate visibility embedded into your BNPL or embedded finance product — risk managed continuously, not surfaced after the damage is done.

✔

Retailers & Distributors :

Every financed device enrolled and visible from point of sale — full audit trail, live payment tracking, and lock control available from day one.

Early warning for at-risk accounts on the live dashboard

Frequently Asked Questions

Common questions about real-time monitoring for device financing portfolios.

Real-time. Payment events, lock status changes, risk flag updates — all visible as they happen. There's no scheduled refresh; the dashboard reflects what's actually happening right now.

Yes. Alert thresholds are configurable — you can set notifications for overdue accounts, failed payment events, bypass attempts, or any other signal the risk team wants to track proactively.

Yes. Standard exports are available for reconciliation and audit. For teams that need to feed portfolio data into their own analytics infrastructure, the API provides programmatic access.

There's no practical limit. The infrastructure was built for tens of millions of active devices. Scale isn't a constraint within the monitoring architecture.

The platform tracks last known status and flags devices that have been offline longer than expected. Monitoring doesn't go silent on offline devices — it notes the gap and surfaces it as a signal.

Yes. Role-based access control lets you configure exactly who can view data, who can trigger lock or unlock actions, and who has access to sensitive portfolio information.

Stop Managing Yesterday's Data

Live visibility across your entire device portfolio — updated continuously, not overnight.

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