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 Credit to Consumers
Enjoy access to consumer-permissioned bank transaction data from Yodlee.
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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 DataX specialty data such as payday loans, subprime credit cards, and installment loans.
On-Demand Webinar:

Challenging Economic Times Elevate the Need for Alternative Data

Leverage Artificial Intelligence for Better Models
Explainable and Adaptive AI
Once you have the data you need, leverage advanced analytics like AI and machine learning to obtain a 360-degree view of financial behavior.

  • Expand ethical access to credit
  • Improve data ingestion to reduce friction
  • Build stronger decisioning models
Machine Learning and Explainable AI in Credit Risk
Helping more consumers gain access to the credit they deserve.

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