Adding a New Dimension to Determining Credit Risk
An individual's financial history is not a complete picture of consumer behavior. Organizations need more comprehensive, current information on which to base lending and credit decisions at all points of the customer lifecycle and across the credit spectrum. Whether your goal is controlled portfolio growth, risk avoidance, or simply honing your current credit decisions, turn to ID Analytics.
Capabilities Throughout the Customer Lifecycle
Add a differentiated dimension to your legacy systems that optimizes credit decisions about individuals to maximize revenue opportunities and reduce risk. By better predicting consumer behavior, more specifically their likelihood to cause financial loss through non-payment, you can be better protected against such loss.
ID Analytics' credit risk capabilities help organizations determine the most appropriate relationship with prospects as well as with current customers. Increase your view of a consumer to a full 360 degrees of behavioral analytics with:
These capabilities enable responsible growth within emerging consumer segments, allow for dynamic credit line adjustments and determine cross-sell offers in a cost-effective way, and sharpen credit risk management practices across the entire credit spectrum.
ID Analytics' credit risk products, based on ID Analytics' proprietary Advanced AnalyticsSM and ID Network®, give a unique, real time perspective of creditworthiness using data not otherwise captured in today's credit models: the stability of an individual based on how often they apply for credit, and the consistency of usage of their identity elements.