Advanced analytics
Combine machine learning analytics with our proprietary and partner data to return a single optimal decision.
Credit decisioning engine
Our enterprisewide credit decisioning engine facilitates faster, more streamlined decisions so you can quickly respond to requests and exceed customers’ expectations.
Fraud and identity
Make timely risk assessments and apply appropriate verification solutions with flexible orchestration and advanced analytics on a single state-of-the-art credit decisioning engine.
Fast, reliable decisions
Our credit decisioning engine returns real-time or batch results, so you can acquire good customers and manage your portfolio risk.
Proactive risk management
Control risk with improved decision accuracy, reviews of inconsistent information, expanded view of risk factors and earlier intervention.
Loan originations
Quickly acquire high-value customers by leveraging credit origination solutions through cloud computing.
1+ billion
Real-time integrated decisioning transactions we process.
1 out of 5
Consumers surveyed plan to open a credit card in the next six months.
62%
Of firms are using alternative data to improve risk profiling and credit decisioning capabilities.
FAQ
Credit decisioning is the process that lenders use to evaluate the creditworthiness of a potential borrower. This process includes examining the borrower's credit history, current financial situation and ability to repay the loan. Lenders use this information to determine whether to approve or deny a loan application and under what terms and interest rate. This risk assessment is crucial in limiting potential defaults and portfolio risk.
In order to automate and streamline the credit decisioning process, lenders can leverage a credit decision engine that uses advanced analytics and algorithms to efficiently assess a borrower’s creditworthiness. A credit decisioning engine quickly processes vast amounts of data, including credit, employment, income and identity information to better predict risk and improve operational efficiency.
Advanced Analytics & Modeling
Cloud Applications & Services
Collections & Debt Recovery
Commercial Solutions
Credit Decisioning
Credit Profile Reports
Customer Management
Data Quality & Management
Data Reporting & Furnishing
Data Sources
Fraud Management
Identity Solutions
Marketing Solutions
Regulatory Compliance
Risk Management
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- Solutions
- Advanced Analytics & Modeling
- Collections & Debt Recovery
- Customer Management
- Credit Decisioning
- Credit Profile Reports
- Data Reporting & Furnishing
- Data Sources
- Data Quality & Management
- Fraud Management
- Identity Solutions
- Marketing Solutions
- Regulatory Compliance
- Risk Management
- Workforce Management