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Insight Score for Retail Banking

Insight Score for Retail Banking helps banks and credit unions expand account approvals, reduce charge-off risk, and drive inclusion by leveraging both traditional credit and alternative payment data.
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Optimize DDA Acquisition with a Wider View of Customers

Insight Score for Retail Banking is a FCRA-compliant risk assessment tool that combines traditional credit data with alternative insights—like utility, telecom, and pay TV payments—to evaluate consumers with little to no traditional credit history. Designed for retail banks, credit unions, and fintechs, Insight Score for Retail Banking enables smarter Demand Deposit Account (DDA) approvals, faster onboarding, reduced charge-off risks, and a path to financial inclusion for under-served populations.
Expand Account Approvals
Say yes to more thin-file and credit invisible consumers.
Reduce Charge-Off Risk
Improve DDA decisioning with broader payment insights.
Boost New Account Acquisition
Unlock growth with a 10–11% increase in DDA approvals.
Enhance Financial Inclusion
Access to alternative data on 222M+ unique consumers.
Support Compliance
Built to support FCRA, CFPB, and fair lending requirements.
Compete Better 
Leverage alternative data to stay ahead of digital-first rivals.

Use Cases for Retail Banking Solutions

It is harder than ever for retail banks to identify and capture potential prospects. The cornerstone of a profitable household is the DDA account, and traditional consumer risk assessment tools are limiting many financial institutions' success at the point of sale. They rely heavily on negative information that can be dated or unreliable, so customers who could present a revenue opportunity walk out your door and customers who may ultimately charge-off get approved. 

Expand Approvals

Score thin-file applicants quickly and responsibly.

Reduce Risk

Detect overdraft and charge-off risk early.

Highly Customized, Targeted and Precise

Equifax integrates traditional credit files with unique alternative data sources—covering utilities, telecom, and pay TV—into one predictive score. This delivers a clearer picture of consumer DDA risk, enabling faster, automated decisions with reason codes and compliance support.
Grow
Increase account acquisition with expanded payment history.
Expand
Tap into underserved markets and grow your customer base.
Reduce
Reduce charge-off risk with improved DDA risk decisioning.

Expand Access. Reduce Risk. Drive Inclusion.

Insight Score for Retail Banking helps financial institutions say yes to more customers, reduce losses, and support financial inclusion. With a broader view of consumer behavior, you can compete better and grow confidently.

Frequently Asked Questions

A data-driven risk assessment score that provides a more complete view of financial health by combining traditional credit data with alternative insights.

Unlike traditional scores that rely only on loans or credit cards, Insight Score also includes non-traditional data like utilities, telecom, and pay TV payments.

It increases Demand Deposit Account (DDA) account approvals, reduces charge-off risk, and helps expand into underserved markets like the unbanked and underbanked.

A combination of Equifax credit files and alternative data sources, including utility and telecom payment histories.

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