Operational intelligence for financial institutions

See what
financial data
can't.

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Credit Decision
The lender — needs the full picture
DUNO — Operational Layer
Assess real SME health
THE GAP
Open Finance / Banking
WHAT moves — cash flow data
EXISTS
Financial Statements
Past performance, months outdated
EXISTS
Credit Bureaus
Incomplete for SMEs, regional only
EXISTS
24 months
Transaction history
up to 180 days
Early detection of risks
< 5 min
Time to first insight
Two products

Total portfolio control.
Before and after you lend.

Start instantly via Dashboard. Integrate via API when you scale.

Operational Report
Al Safeer Trading LLC — Operational Report
First Transaction
Aug 14, 2008
Last Transaction
Feb 18, 2025
Years Active
16.5 yrs
Fraud Rate
2.3%
Dispute Rate
1.1%
Decline Rate
4.7%
Business Metrics
Revenue (AED)
850K – 900K
+12.3% YoY
Transactions
4,500 – 5K
+8.7% YoY
12m Forecast
1,000K – 1,050K
Stability
Stable
Customers
850 – 900
Repeat (1m)
13%
Revenues Over Time
Jan Jun Dec
Revenue Channels
Online 68%
In-Store 32%

WHAT IS IT

Pre-underwriting report providing insights into true business activity over 24 months — volumes, trends, customer base, fraud signals.

SIGNALS INCLUDE

Stability Revenue patterns Customer behaviour Fraud signals

USED FOR

Screening Pre-lending due diligence
Portfolio Monitoring
Portfolio Overview — 10 Merchants
Portfolio Monitoring
Alerts only
10 Merchants
Business Name Rev.
Trend		 Rev.
Decline		 Cust.
Conc.		 Loyalty
Drop		 Fraud
Incr.
Al Safeer Trading LLC 2.5M ↑
Desert Rose Boutique 1.2M ↑
Golden Palm Restaurant 850K ↓
Emirates Tech Solutions 3.2M ↑
Falcon Automotive 1.8M ↑
Oasis Supermarket 675K ↓
Marina Bay Cafe 420K ↓
Pearl Fashion House 2.1M ↑

WHAT IS IT

Always-on monitoring with automated alerts — detects deterioration up to 60–180 days before it surfaces in financial statements.

SIGNALS INCLUDE

Revenue drops Customer loss Fraud spikes Portfolio trends

USED FOR

Early warnings Portfolio health

Access via

Dashboard No integration needed
API When you scale
Automated Alerts Always-on
Why it matters

Financial data tells you what moved. Not why.

Traditional analysis gives you a snapshot of the past. DUNO gives you the operational signals that predict the future — before they appear in any P&L.

DUNO operational intelligence
  • Predictive — up to 180 days earlier
  • Explains the why behind revenue shifts
  • Tracks loyalty, churn & customer patterns
  • Reveals true revenue quality & stability
Traditional approach
  • Reactive — you see defaults too late
  • Shows what moved, not why
  • No visibility on operational risk
  • Financially clean ≠ operationally healthy
Regulatory + Privacy

Frequently asked questions

Everything you need to know before booking your demo.

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Early-warning alerts that surface portfolio deterioration before it's too late

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