ID Analytics is dedicated to the science of distilling critical insights from relevant consumer interactions no one else sees. We help businesses grow confidently by providing distinctive, up-to-the-minute visibility into identity and behavior.
ID Analytics formed the Online Lending Network (OLN) consortium to respond to emerging market threats, most notably loan stacking. The OLN is a subscription-based membership that provides members with access to exclusive risk products tailored to the unique fraud and credit issues facing online lenders.
Credit Optics Full Spectrum ® is an FCRA-compliant credit score which provides the powerful, differentiated insights organizations require to develop a complete picture of an individual’s creditworthiness across the customer lifecycle.
Credit Optics® Full Spectrum is an alternative credit score which provides powerful insights for thick, thin, and no file applicants across the full credit spectrum. This unique, broader visibility into consumer credit risk enables lenders to develop price optimization strategies which deliver a competitive edge.
Could you increase online conversion by streamlining your application process? Since integrating ID Connect, DataX experienced an overall 9 percent improvement on conversions for all online applications. Verifying identity during the application process helped generate higher quality applications quickly, leading to increased revenue per application submitted. Download the case study to learn more.
ID Connect™ 2.0 for Authentication leverages advanced photo-capture technology to perform fast, cost-effective, and comprehensive authentication. The solution allows most consumers to take a photo of their driver license, or other government-issued ID, to capture and extract the data on the ID for authentication.
ID Connect™ 2.0 for Conversion enables enterprises to request only a minimal amount of information from a consumer
to apply for a new account – boosting application volumes by reducing friction from an otherwise cumbersome
Organizations need an effective knowledge-based authentication (KBA) solution that balances security and the overall customer experience. Certain ID is a dynamic identity proofing tool that generates targeted questions from the comprehensive data in ID Network®—the nation’s only real-time, cross-industry compilation of identity information.
Comply360® affordably addresses regulatory compliance requirements by utilizing unique cross-industry data to help clear and remediate identities, ultimately reducing the volume of manual reviews needed to comply with government regulations. Comply360 leverages the value of the ID Network® to quickly and cost-effectively
support regulatory compliance mandates for USAPA, OFAC, FTC Red Flags and others.
ID Network Attributes for Fraud provides a series of data points, selected by industry experts, which allows institutions to build powerful custom fraud detection solutions and processes.
ID Network Attributes for Verification provides a high level of granular insight designed to answer identity-related questions crucial to verification challenges.
ID Score 9.0 is a strong, multi-layer fraud prevention technology that evaluates identity risk based on personal information (ex. SSN, name, address, email) along with device risk to produce a single, comprehensive assessment of application fraud risk.
Leading non-traditional lenders trust ID Score®-Action to provide complete on-demand visibility into the risk of potential customers. An FCRA-compliant risk score, ID Score-Action delivers up-to-the-minute risk insights tailored to the needs of the non-traditional lending market, enabling lenders to make more aggressive funding decisions with confidence.
ID Score®–Action is a FCRA-compliant risk score which delivers an accurate and comprehensive assessment of the likelihood an applicant will result in a loss to a retail bank. The score leverages proprietary cross-industry event and performance data, delivering risk insights that are more accurate than standard bureau scores, and incremental to custom credit scores and NSF data.
Both private and public entities need a cost-effective way to assess the risk of requested changes to identity information such as address, email address or phone number. ID Score Account Takeover was specifically designed to separate the riskiest account management events from those that are valid to maintain positive customer relationships and minimize costs.
Resolve360® assists companies to ensure they have the full and current information on customers and prospects by supplementing or verifying their Social Security number (SSN), address, and/or date-of birth. Resolve360 utilizes advanced identity resolution technology to identify the individual in question, then leverages the 2 billion consumer records in the ID Network® to return the requested missing or suspect consumer information.
Transaction Protector(TM) is a three-digit score which passively evaluates CNP fraud risk, accurately identifying high-risk transactions which merchants can hold or cancel immediately following the checkout process, removing fraud defense barriers to conversion.