Identity and entity resolution.
Who is really borrowing, and who are they connected to? Luminnovate puts the same questions to every source and links people and companies only when an identifier or a source confirms it.
No single register answers who is borrowing. Sole traders, partnerships, trusts and companies appear in different places, and the links between them are where hidden exposure sits.
Daniel MorganDirector, Harbour Joinery Pty Ltd
- Source
- Application form
- Director ID
- 036 100 000 482
- Address
- 14 Wharf Street, Balmain
Confirmedsame director ID
and shared company
and shared company
D. MorganDirector, Morgan Fitouts Pty Ltd
- Source
- ASIC extract
- Director ID
- 036 100 000 482
- Address
- 3/88 Darling Street, Rozelle
A link is confirmed only by an identifier or a source that states it. A name alone stays a candidate for a person to review.
Illustrative example. Harbour Joinery is a synthetic business.
What Luminnovate does
- Asks every source the same questionsName, structure, ABN, ACN, status, age, directors, debt and security, from the application, the account, the ABR, ASIC, director IDs, the PPSR and the bureau.
- Confirms links on evidenceAn identifier or a source that states the link confirms it; a matching name stays a candidate.
- Draws the networkDirectors, related entities, lenders and accounts, with the money between them.
- Where it is used
- Banks and lenders, Energy and telco retailers, Brokers and aggregators, Insolvency and legal
- One case
- Ranking accounts, not payments (Synthetic bank transfers)
- Trust
- The decision record
Start with applications you have already decided. We reconcile them inside your environment and show what each source added.
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