Unlock the value of banking transaction data
Open banking is transforming the financial landscape and estimated to create $120+ billion in global opportunities by 2031.* With Cashflow Attributes, our open banking enabled solution, lenders can unlock insights from banking transaction data to fuel advanced consumer analysis, underwriting enhancements and account management processes. Our 970+ transaction-based attributes are generated from consumer checking, savings and credit card transaction data and factors such as income, expenses, wealth and debt.
Integrating insights from banking transaction data can empower more informed decisioning strategies and enhance portfolio growth.
In-depth analysis
Add detailed banking transaction insights to better understand a consumer’s true financial health and behavior.
Predictive accuracy
Enhance model performance with attributes that bring greater predictive precision and accuracy.
Personalization
Craft financial products and services that better align with consumer needs and enhance the customer experience.
Financial inclusion
Support objectives for fair and responsible lending while adeptly managing risk with a deeper consumer view.
Unlock actionable insights across the customer lifecycle
- Created using first-party direct deposit account data
- 970+ attributes covering insights such as spend, savings, debt management and net worth
- 133 categories providing robust consumer insights from first-party direct deposit account data
- Exclusive access to depersonalized U.S. consumer transaction data
- Easily integrate real-time cash flow data and risk insights into workflows for faster and smarter lending
Learn how Cashflow Attributes can help lenders unlock growth opportunities across the customer lifecycle.
Cashflow Attributes for commercial lenders
Bring current business cash flow into lending decisions.
- 500+ attributes covering business strength, stability, financial stress and trajectory
- Categorizes up to 99.8% of commercial bank transactions, including supplier payments, B2B revenue and card payments
- Adds current revenue, spending, liquidity and balance insights when commercial credit history is limited
- Surfaces signals such as falling balances and insufficient funds to help identify financial strain sooner
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*Source: Allied Market Research
- Solutions
- Advanced analytics and modeling
- Collections and debt recovery
- Credit decisioning
- Credit profile reports
- Customer engagement and retention
- Data reporting and furnishing
- Data sources
- Data quality and management
- Fraud management
- Global data breach services
- Identity solutions
- Marketing solutions
- Regulatory compliance
- Risk management
- Workforce management