oneFactor
oneFactor is a Russian-headquartered ML platform company that commercializes telecom-derived behavioral data into AI services for credit scoring, insurance risk, retail location intelligence, urban planning, and advertising, selling via direct enterprise sales to telecoms, banks, insurers, retailers, e-commerce firms, and government entities.
- Company typePrivate
- Founded2011
- HeadquartersDubai, United Arab Emirates
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What oneFactor does
oneFactor (legal entity ООО «ЕДИНЫЙФАКТОР» / LLC "EDINYI FAKTOR") is a Russian-headquartered IT company that has built and commercialized a machine-learning platform for secure data monetization since 2011, originating from telecom operator data and expanded into six industry verticals. The company's core products are SmartMachine (automated credit, lending, and insurance risk decisioning for banks, microfinance organizations, and insurers), SmartCity (urban planning, transport flow evaluation, and aggregated resident profiling using mobile operator data for government and city management), OneFactor Mediation (data anonymization and enrichment), and Social Scoring (a customer creditworthiness trust index). The technology stack is built on Scala, Java, C++, Python, and Golang with Akka and Spring Boot frameworks, and all four products are registered in the Russian Ministry of Digital Development domestic software registry, with SmartCity, SmartMachine, Social Scoring, and OneFactor Mediation holding registry entries 309800, 310263, 310264, and 305520 respectively.
The company serves enterprise customers in telecommunications, banking and financial services, insurance, retail, e-commerce, advertising, and smart city / government sectors, using a direct enterprise field sales motion with custom project-based pricing and multi-year contracts. Pricing is calculated individually based on work volume, technical requirements, timelines, and client task specifics, with quotes routed through [email protected]. Distribution is purely direct — no reseller or channel partner network is mentioned — and the company is described as founder/management-owned, profitable since 2011, with no disclosed external institutional investors or funding rounds.
Geographic footprint is concentrated in Russia and CIS countries with an explicit stated strategy of international expansion, supported by 2024 inclusion in the Gartner Cool Vendors list for telecom operators (the first Russian company to achieve this) and operational presence across two development centers in Moscow (headquarters) and Nizhny Novgorod. The company is positioned as the only Russian developer of a secure data monetization platform for traditional retail businesses, with its primary GTM built on enterprise direct sales to telecom operators as the upstream data partners and to banks, insurers, retailers, e-commerce players, advertisers, and city administrations as the downstream ML-service buyers.
oneFactor firmographics
Firmographics- Name
- oneFactor
- Legal name
- ООО «ЕДИНЫЙФАКТОР»
- Website
- https://onefactor.com
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- oneFactor is a Russian-headquartered ML platform company that commercializes telecom-derived behavioral data into AI services for credit scoring, insurance risk, retail location intelligence, urban planning, and advertising, selling via direct enterprise sales to telecoms, banks, insurers, retailers, e-commerce firms, and government entities.
- Ownership category
- akta.pro rank
oneFactor industry classification
Industry- Product category
- AI Data Monetization Platform
- NAICS
- Software Publishers (5132), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (51821)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370), Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC)
Keywords
Where oneFactor is headquartered
LocationHeadquarters
- HQ city
- Dubai
- HQ country
- United Arab Emirates
- HQ region
- Middle East
Offices2 records
Markets served
oneFactor business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Custom Software Development: Design, development, adaptation, modification, modernization, updating, installation, integration, configuration, implementation, support, testing, technical support, and operation of software for electronic computers.
- Software Licensing: Sale of software, databases including updates and modifications through rights assignment, licensing, remote access provision, leasing or rental of software copies.
- Custom AI Service Projects: Project-based pricing for AI/machine learning services tailored to specific client requirements in banking, insurance, retail, and smart city sectors.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Custom enterprise pricing |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
oneFactor product offering
Product offeringCore offering
oneFactor develops and operates a secure AI/ML-based data monetization platform that aggregates and anonymizes telecom operator data to deliver specialized analytics and decision-automation services. Its core products — SmartMachine, SmartCity, OneFactor Mediation, and Social Scoring — enable banks, insurance firms, retailers, e-commerce platforms, advertising businesses, and city governments to automate credit and risk decisions, optimize CRM, evaluate locations, and conduct urban planning.
Product overview
oneFactor is a specialized AI services platform for telecommunications operators, enabling rapid deployment of AI services across various economic sectors. The platform consists of multiple machine learning-based products: SmartMachine (credit scoring and decision automation for banks and insurance), SmartCity (urban planning and population analytics), OneFactor Mediation (data anonymization and enrichment), and Social Scoring (customer creditworthiness assessment). The company serves banking, insurance, retail, e-commerce, advertising, smart city, transport, and tourism sectors.
Differentiator
Problem solved
Functional benefit
Brands
- SmartMachine: Machine learning service for banks and MFI to automate credit decision-making, assess client solvency, evaluate lending risks, optimize CRM campaigns, and validate address information online.
- SmartCity
- OneFactor Mediation
- SmartMachine (Insurance)
Products and services
- SmartMachine
Companies that use oneFactor
Customer profileNamed customers7 records
Segments6 records
Ideal customer profiles6 records
oneFactor technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature6 records
oneFactor partnerships and signals
Strategic signalScale indicators3 records
Recent moves6 records
Expansion highlights5 records
oneFactor competitors and assessment
Company assessmentDirect peers
- Credolab: Singapore-headquartered alternative-data credit scoring platform that uses telecom, device, and behavioral signals to assess creditworthiness of unbanked consumers—directly comparable to oneFactor's SmartMachine/Social Scoring products on telco-derived data.
Broad incumbents
- Equifax: Major consumer credit reporting agency with analytics, identity, fraud, and workforce data products serving banks, insurers, and government—comparable to oneFactor's Social Scoring and OneFactor Mediation data enrichment stack.
- Palantir Technologies: Enterprise data integration and analytics platform serving banks, insurers, governments, and intelligence agencies with Foundry/Gotham—comparable to oneFactor's enterprise ML data-monetization platform serving similar regulated, data-rich clients.
- SAS Institute: Global analytics and AI software vendor with deep banking, insurance, fraud, and risk decisioning products (SAS Anti-Fraud, Customer Intelligence 360)—comparable broad enterprise analytics stack to oneFactor's SmartMachine/insurance/retail suites.
- Experian: Global consumer credit bureau and analytics provider with alternative-data, fraud, and decisioning products for banking, insurance, and retail—comparable in customer base and analytics stack to oneFactor's creditworthiness and CRM offerings.
- FICO: Global leader in credit scoring and decisioning software for banks, MFOs, and insurers, with growing alternative-data and AI capabilities. Overlaps with oneFactor's SmartMachine credit decisioning and Social Scoring offerings serving the same buyer personas.
- LexisNexis Risk Solutions: Large provider of data, analytics, identity, and fraud-prevention services for financial services, insurance, and government—closely overlaps with oneFactor's anti-fraud scoring, identity verification, and credit decisioning modules.
Regional players
- Tinkoff / T-Bank: Leading Russian digital bank and fintech ecosystem with proprietary AI-driven credit scoring, CRM, and customer analytics for retail banking and SMB lending—directly comparable buyer profile and overlap on ML scoring inside the same Russian market.
Emerging players
- Upstart: AI lending platform using alternative data and ML for credit decisions on consumer and small-business loans, competing head-on with SmartMachine's ML-based lending risk assessment for individuals and SMBs.
- Zest AI: US-based ML credit underwriting platform helping banks and lenders approve more borrowers using alternative data and machine learning—closely mirrors oneFactor's SmartMachine ML credit decisioning approach for banks and MFOs.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights6 records
Customer concentration
oneFactor social profiles
Digital presenceoneFactor compliance and trust
Trust signalCompliance1 record
oneFactor financial estimates
Financial estimateRevenue estimate
Valuation estimate
oneFactor leadership team
Management profileNumber of profiles
Profiles1 record
oneFactor funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
oneFactor M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about oneFactor
What does oneFactor do?
oneFactor develops and operates a secure AI/ML-based data monetization platform that aggregates and anonymizes telecom operator data to deliver specialized analytics and decision-automation services. Its core products — SmartMachine, SmartCity, OneFactor Mediation, and Social Scoring — enable banks, insurance firms, retailers, e-commerce platforms, advertising businesses, and city governments to automate credit and risk decisions, optimize CRM, evaluate locations, and conduct urban planning.
Is oneFactor a public or private company?
oneFactor is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was oneFactor founded?
oneFactor was founded in 2011. It employs 51 to 100 people.
Where is oneFactor based?
oneFactor is headquartered in Dubai, United Arab Emirates, in the Middle East region.
How does oneFactor make money?
Three revenue lines are on record. Custom Software Development is the primary driver. The others are software Licensing and custom AI Service Projects.
Who are oneFactor's main competitors?
Credolab is listed as a direct peer. Broad incumbents are Equifax, Palantir Technologies, SAS Institute, Experian, FICO and LexisNexis Risk Solutions. Tinkoff / T-Bank is listed as a regional player. Emerging players are Upstart and Zest AI.
Does oneFactor have an API?
No public API is recorded for oneFactor.
What industry is oneFactor in?
oneFactor's product category is AI Data Monetization Platform. Its primary akta.pro industry code is FSAGAHAC, Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking). Its NAICS code is 5132 and its SIC code is 7370.