Credit Decisioning
Broader data sources provide a better perspective
Looking to manage risk, safely expand consumer access to credit, or personalize experiences for customers?

Start ahead of competitors with the right foundation of robust consumer credit data and layer on alternative data. Then leverage explainable AI to uncover new pockets of opportunity.
Gain a competitive advantage and make better credit decisions
Go back to the basics - with some noticeable upgrades - to both better access customer risk profiles and find profitable new opportunities.

Maximize your ROI via quality data, quick deployment, and access to experts to help co-innovate.
Choosing your primary credit provider is key
Get the most accuracy in your first pull. Once you are in the best available ecosystem, you can seamlessly expand your view to gain a fuller picture of your customers and prospects.

Start strong and finish even stronger with three fundamental principals.
Alternative Data Builds Thicker Files—and a Better View
91.5 million consumers have little to no access to credit due to lack of credit activity.
Learn how to expand your credit pool with alternative data.
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Expand Access to Credit to Consumers
Open up credit opportunities by accessing consumer-permissioned cashflow data.
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Discover more profitable prospects
Get access to consumer-permissioned utility and telco data from Urjanet.
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Uncover legitimate non-prime borrowers
Help reduce risk with specialty finance data from DataX, such as payday loans, subprime credit cards, and installment loans.
Lending With Confidence
Making credit decisions for thin-file and credit invisible consumers has always been a challenge. Given the number of recent layoffs, furloughs, and pay cuts, credit decisioning for thick files has become difficult as well. Discover how to unleash the potential of alternative data, explainable AI, and technology platforms to build confidence in your credit decisions.
Empower People with Consumer-Permissioned Data
New Data for New Challenges
Major changes in the U.S. job market and loan accommodation requests have clouded the ability for lenders to assess credit risk. This session provides insights on how to leverage consumer consented data to the fullest extent, reducing credit risk, preventing fraud as well as delighting your customers.

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