Digital devices are the new normal for on-the-go consumers. The changes in technology and offerings to accommodate mobile consumers drive higher expectations to transact with ease. If their experience aligns with their expectation, consumers are more likely to complete transactions and repeat them. Low friction experiences are expected, and when consumers encounter friction they tend to abandon the transaction which in turn leads to lost revenue and the opportunity to gather valuable consumer insights. InstaTouch® Offers, a customized marketing and credit offers solution, enables additional ways to connect with consumers and build loyalty through lines of credit and real time customizable marketing firm offers. Utilizing Equifax’s credit data and combining it with verified identity enables a business to customize a firm offer of credit to the consumer based on shopping behaviors and limit risk. The online commerce experience is improved and simplified for both businesses and consumers. Businesses can help drive increased account originations and repeat usage of store-branded credit cards at the point of purchase while helping increase potential profit margins and brand loyalty. Consumers are confident when they are presented with a qualified offer or credit line they know they are pre-approved for with a reduced risk of denial. InstaTouch Offers helps simplify the consumer experience and drive incremental transactions across multiple channels including eCommerce/retail and financial institutions. Benefits of Offering a More Frictionless Consumer Experience Personalize Customer Experience Enable businesses to drive a more effective, contextual customer experience with offers associated with the consumer’s online search and purchase behavior. Instant Pre-Approval Unique digital pre-screen provides qualified shoppers with instant pre-approval of the credit line or marketing firm offer, which may be used immediately upon full credit approval. Limit Risk Digital application process keeps consumer PII private, limiting vulnerability to consumer information.