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MKTplace-data type: Alternative Credit Risk

SEON

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Partners

SEON

Social and Digital Signals as Fraud Detection for a Modern Generation

Key Benefits

  • Expand your fraud prevention strategy with additional data. SEON checks more than 35 social and digital networks for real-time insights to give you additional data that helps you make more accurate decisions.
  • Flexible, modular APIs – pay for only what you need and scale easily. Built to be adaptable because every business deals with risk differently. Pick and choose from our APIs based on your specific needs. Customize rules and risk scores exactly to your risk model.

“We overlay SEON’s digital and social lookup with device fingerprinting to get a good indication of whether the phone belongs to the actual client. We can instantly filter out fraudsters and we get better intelligence to automate our decision making.”

JURIS RIEKSTS-RIEKSTINS, HEAD OF RISK AT FAIRMONEY.IO

Social and Digital Signals as Fraud Detection for a Modern Generation

Designed by fraud industry experts. Customer success by ex-fraud managers. We know your pains and how to fix it. Bring intelligence to your entire risk ops.

Resources

About SEON

  • Services

    • Data Enrichment – Email, Phone, IP, Card BIN lookup. Includes social media lookup.
    • Device Fingerprinting – Modernized device fingerprinting that identifies new tools, settings and setups commonly used by fraud rings and bots
    • AI & Machine Learning – Fully transparent whitebox machine learning so you can see exactly why and how a risk score is assigned

  • Regions Supported

    • Global

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Powerlytics

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Partners

Powerlytics

Zero-friction Income Solution Covering 100% of Households

Key Benefits

  • IRS based income verification, 100% confidence and coverage. Powerlytics True Income is a suite of Income Verification and Estimation solutions that covers all sources of income and is underpinned by the anonymized tax returns of 150M U.S. households and covering over 200M adults.
  • Zero-friction income solution streamlines loan decisioning. Based only on an individual’s ZIP+4 and covering 100% of U.S. households, Powerlytics True Income solutions can help streamline loan decisioning by providing highly accurate income estimates or scores against a loan applicant’s stated income.

Powerful Data, Smarter Decisions

Powerlytics delivers the most comprehensive, accurate and granular U.S. consumer and business financial data available, underpinned by tax returns. Lenders leverage the highly predictive data for improving marketing and risk outcomes and benefit from Powerlytics True Income, a suite of zero-friction Income Verification Confidence Scores and Estimation products that covers 100% of U.S. households. Based only on an individual’s ZIP+4, Powerlytics True Income solutions can help streamline loan origination decisioning and be used as a replacement for customer-stated income to expand proactive credit line increases. True Income is built by using anonymized tax filings. As a result, the OCC has reviewed the solution and allowed commercial usage for marketing, underwriting, and proactive credit line increases to allow lenders to get to yes without customer friction.

Resources

About Powerlytics

  • Services

    • Powerlytics True Income Solutions
    • Powerlytics Business Revenue Estimation
    • Consumer Loan Default Models
    • Business Loan Default Models
    • Consumer Targeting Models
    • Business Targeting Models

  • Countries Supported

    United States

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CRiskCo

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Partners

CRiskCo

CRiskCo – Open Accounting API

Key Benefits

  • Single API to gain Financial & Accounting aggregate data. Automated financial spreading including calculating key financial ratios (DSO, Quick Ratio, Debt Ratio), with 60 seconds of client onboarding time and real-time financial alerts.
  • Increasing financial visibility and lowering risk exposure. Enabling SMBs and professional credit providers to better evaluate the credibility of their business customers, detect fraud and prevent future credit failures.

“CRiskCo enables us to leverage off additional financial data, streamline our processes and make faster decisions, resulting in better outcomes for our clients and us.”

CEO, BUSINESS FUEL

Single API to Gain Financial and Accounting Data

CRiskCo platform aids the customer by providing automated financial insights, credit reports, and ongoing monitoring, measuring, and alerting on their clients’ financial health.

CRiskCo collects financial data straight from the source, from the accounting systems of the business or alternative resources (e.g. SAT in Mexico). Based on the client’s customer journey and requirements, data can be collected from one or more resources. CRiskCo then standardizes the data and runs predictive analytics to generate a real-time risk score and financial health alerts.

The ease of use, the standardized reporting and advanced Risk report assist our clients in evaluating commercial credit applications and monitoring the financial health of customers throughout the trade credit life cycle.

Resources

About CRiskCo

  • Services

    CRiskCo Approve

  • Countries Supported

    • Mexico
    • United States
    • Australia
    • United Kingdom
    • Israel

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Iberinform

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Partners

Iberinform

Data that Supports Your Best Decisions

Key Benefits

  • Spanish and Portuguese company information. Full database of Iberian companies and sole traders. Access to all relevant information about Spanish and Portuguese entities: financial statements, decision making, credit ratings, credit limits, contact information, and more.
  • Proprietary and curated database of exclusive information. There is plenty of valuable information only available inside the company. Iberinform has been collecting that information for almost 50 years: export operations, line managers, key providers, key customers, bank relations.

“Our data and segmentation possibilities provide for high yielding marketing campaigns.”

IBERINFORM CUSTOMER

Tech It Easy, Technology Makes Data Usage Easy

Established in 1975, Iberinform has pivoted its business model and become a truly digital and data driven product provider without losing its core value of providing fresh investigated information carefully sourced and curated.

2016 was an important year for Iberinform, as well as it was back then when the purchase of the Portuguese operation took place. Iberinform Portugal was founded in 1946 so we have over 130 years of combined expertise when it comes to managing data and information.

Nowadays, Iberinform boasts a full range of B2B datasets covering the needs of a wide array of customers. SMEs, sole traders, developers, fintechs and listed companies are among Iberinform’ s customer portfolio.

Resources

About Iberinform

  • Services

    • Marketing databases
    • Financial statements
    • Credit scores
    • Credit limits
    • Contact information
    • Insight View, cloud-based analytics solution
    • International trade detailed information on exporters, importers
    • API connection
    • XML connection

  • Regions Supported

    • Global
    • EMEA
    • Spain
    • Portugal

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Infinian

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Partners

Infinian

Infinian Vision – Credit Application Data

Key Benefits

  • Affordability, Vulnerability & Credit Risk. Use Infinian’s real-time market intelligence from millions of consumer credit interactions to find additional data points, identify high-risk individuals and set up early warning alerts to mitigate risk and comply with regulations.
  • Collections, Tracing & Fraud Prevention. Infinian’s unique dataset also helps firms with credit acquisition lifecycles and protects against losses. With comprehensive fraud prevention and detection solutions, Infinian insights power frontline financial crime prevention investigations. Infinian also provides tools that help firms improve and build unique, segmented collections strategies.

“Data from Infinian is unique to the market, and provides granular credit application data, which helps us perform appropriate due diligence checks that ensure our customers’ activity is affordable as well as fun.”

DAVID SMITH, MLRO & HEAD OF RISK AT BOYLESPORTS

Endless Data, Endless Insights

Infinian provides highly insightful data to the gaming sector, fintech companies and some of the largest global data businesses and credit bureaus.

Infinian Vision is a consumer-focused database informed by hundreds of data sources in real time. Unique and powerful, Vision is proven to be highly valuable to lenders, credit providers and data businesses to enhance the quality of their affordability, vulnerability and credit decisioning of their customer databases.

Infinian’s unique data insights are used across a wide range of industries and sectors allowing businesses to manage their data and track customer behavior effectively. Utilizing Europe’s largest marketplace for consumer credit applications, Infinian is uniquely positioned to assist businesses seeking to improve their decisioning systems, responsiveness and fraud detection.

Infinian services:

  • Lenders and Banks – Infinian helps major financial institutions manage their data and decisioning process
  • Risk and Fraud Agencies – Infinian data assists in identifying high-risk individuals and fraudulent activity
  • Debt Collections Agencies – Track missing customers, build new, segmented collections strategies and improve lines of customer communication
  • Gambling and Gaming Sector – Identify vulnerable customers and protect consumers in financial distress

About Infinian

  • Services

    • Vulnerability and Affordability Analytics
    • Affordability Risk
    • Collections and Tracing
    • Initial Vetting
    • Credit Risk Tools
    • High Risk Case Removal at Source
    • Identify Additional Information cases
    • Account Origination
    • Decline High Risk
    • Customer Limit Management
    • Assessment of Medium and High Risk Customers
    • Disposable Income Assessments
    • Identification of Financial Vulnerability Indicators
    • Replacement of Bureau Search Insights (quote search)
    • Fraud and Financial Crime Prevention
    • First Party Fraud Identification
    • Assess General Vulnerability
    • Macroeconomic Financial Trends

  • Countries Supported

    • United Kingdom
    • United States
    • Australia

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Carmachain

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Partners

Carmachain

Alternative Data Marketplace in Nigeria

Key Benefits

  • Credit and Alternative Credit Data. Credit data of credit bureaus and direct lenders supply. Aggregated transaction and telecom information. Biggest data one-stop shop.
  • Address Verification. Electronic utility bill of 90% of electricity grid payers in Nigeria.

Biggest Data Aggregator in Nigeria

CARMACHAIN gives you access to 80 million profiles of credit and alternative credit information in Nigeria.

About Carmachain

  • Services

    Data-as-a-Service

  • Countries Supported

    Nigeria

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Outra

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Partners

Outra

Outra Data – Powering Your Business

Key Benefits

  • Property Attribute Data. Outra’s Property Attribute Data provides a wide range of data on every UK residential property. Taken from over 25 years of transactions, listings and surveys and supported by industry-leading Data Science for best results.
  • Home Move Triggers. Outra’s Home Move Triggers accurately predict when to target home movers to buy your products and services – identifying approx. 150,000 movers each month. This allows you to communicate with the right message at the right time.

“We have chosen to work with Outra Data due to better coverage of variables and transparency on actual and modelled data.”

POST OFFICE INSURANCE

Household Level Insights for a 360 Customer view

Outra is a data science and analytics company with over 5,000 unique data points from over 60 different data sources on over 30 million UK households. Giving companies GDPR compliant tools to understand their customer at a household level.

Outra is the UK’s leading residential property data company. Our depth, and accuracy of data is unmatched, meaning only Outra can provide a real time 360 view of the UK residential property market. 

Picking a home is the most important decision we will make. Whether it’s the location, cost, size, or energy efficiency, where you decide to live says a lot about who we are. That’s why we have put property data at the core of everything we do. 

Outra Data is more than just raw data. Our Data Science team use AI to identify patterns and actionable insights into customer behavior. Combined with our unique data sets, our range of solutions enable reduced costs for acquisition, retention, modelling, or whatever your business requirement is.

Resources

About Outra

  • Services

    Property Attribute Data

    Home Move Triggers

    Parking Model

    High Net Worth Model

    Vulnerability Index – Outra has developed the proprietary data science which enables organizations to identify their most vulnerable customers at a household level. Companies use the Outra vulnerability index to reduce customer churn and mitigate financial risk. With the cost of living crisis, it is more important than ever to understand where these customers are and how you can support and retain them.

  • Regions Supported

    United Kingdom (England, Scotland, and Wales)

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