Business Decision Managment
Elevate Data Intelligence for More Effective Business Decisioning
Attribute ToolboxTM allows you to tap into the wealth of credit and noncredit data available in today’s market. The source-independent software provides maximum flexibility and choice over the types of data you include in the calculation and management of your attributes — the core building blocks of scoring models.
Gain a Competitive Advantage
In today’s business climate, traditionally developed scores simply are not enough to accurately assess risk and attract the right customers. With unprecedented access to credit and noncredit data sources, Attribute Toolbox enhances your business decisioning by leveraging customer relationship, income, fraud and other nontraditional data. Incorporating broader data sets results in improved business intelligence and a more accurate assessment of creditworthiness, ultimately allowing you to make more effective decisions.
Merge Data Sets Seamlessly
Without having to convert to a standard format, Attribute Toolbox retrieves and processes raw data from third-party sources. Products typically do not support all formats associated with different data sources, and standardized formatting can be limiting. Recognizing the native formats of these data sources and extracting the desired data allow Attribute Toolbox to provide a more complete picture.
Execute Attribute Calculations Quickly and Efficiently
Real-time data parsing combined with effective attribute calculations positions Attribute Toolbox as an integral component of your business decisioning processes. For multiple requests, Attribute Toolbox can save you time by calculating and storing the results in an offline environment. A streamlined Web browser interface provides coding flexibility without exhausting technology resources. These increased workflow efficiencies deliver results quicker and at significantly lower costs.
Customization and Testing
Attributes can be customized and tested before deployment into a production environment. This feature allows you to validate the impact of new or updated attributes before modifying current decision processes.
With Attribute Toolbox, you can integrate proven attribute calculations into any business or technical architecture almost immediately, eliminating lengthy implementation timelines and accelerating your return on investment.
The Web-based user interface simplifies access to attribute definitions. Minimal installation is required, reducing maintenance costs and facilitating greater collaboration across the enterprise. As a result, the tool empowers you to create, manage and validate attributes in-house, resulting in more effective decisions, improved operational efficiencies and reduced origination costs.
Market-Leading Add-On Applications
With Attribute Toolbox you can access the extensive Experian business decisioning and workflow application suite, including these powerful tools:
Premier AttributesSM — Experian has invested more than a decade of research and development into identifying the most predictive and accurate set of credit attributes – more than 960 tri-bureau attributes. When coupled with Attribute Toolbox, Premier Attributes provides a quick starting point for incorporating attributes into your business strategies, segmentation strategies and in the development of scoring models.
PowerCurve Originations® — The application processing platform for Experian’s customer acquisition suite, PowerCurve Originations helps you make more profitable and accurate customer acquisition decisions. Attribute Toolbox combined with PowerCurve Originations provides a complete configuration and execution platform for data access, attribute management, application processing, workflow and business decisioning.
PowerCurve Strategy Management® — Improve the accuracy and effectiveness of your credit risk and marketing strategies across the Customer Life Cycle with Experian’s premier business rules management system.
Business Intelligence — With a strong analytical focus, Business Intelligence provides access to best practices, industry benchmarks and competitive market intelligence. In-depth market information provides greater insight into your customer base relative to both your competition and the overall market. Combining Business Intelligence and Attribute Toolbox empowers you to optimize your customer acquisition strategies as the market changes.
Fraud products — With capabilities to manage and detect fraud, our Precise IDSM platform provides organizations with additional insight to identify fraud early when processing new applicants.