Enabling Better Customer Experiences and Driving Smarter Revenue
Key Benefits
Credit Risk. Make more confident lending decisions and expand access to credit with alternative data and robust analytics only Equifax can deliver.
Identity, Fraud, and Compliance. Equifax Digital Solutions can help protect your business, your bottom line, and your customers at every stage of the lending journey.
Equifax – Powering the USA with Knowledge™
At Equifax (NYSE: EFX), we believe knowledge drives progress. As a data, analytics, and technology company, we play an essential role in the economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. For more information, visit Equifax.com.
Improve your underwriting with real-time income data. Get reliable data from payroll sources to automate your verifications and take better and fairer decisions for credit, mortgage, tenant screening, car leasing.
Real-time activity monitoring. Gaining a holistic and credible view of a user’s income to assess qualification for salary advance, salary payouts, employment verification.
“Rollee provides access to the right data at the right time. We have been able to open up new business channels thanks to Rollee’s data coverage.”
Open Finance Platform for Income Data
Rollee is the API for income data in Europe. We provide lenders, insurers and many other businesses with quick and reliable access to their customers’ income data in real-time.
Dynamic Personality Data for BNPL and SME Credit Decisioning
Key Benefits
Increase your acceptance rate up to 40%. Incorporating personality data will enhance your scorecards with insights on customer segments like next-gen consumers, newcomers to the country, and small businesses, enabling more accurate predictions and access to previously untapped customer segments.
Seamless customer journey, low-tech integration, real-time insights. Our JavaScript plugin, integrated into your customer onboarding process, gathers data from various touchpoints and provides information, profiles, and decisions. A 24/7 dashboard offers real-time insights into the funnel, comprehensive customer data, alerts, and model performance.
“AdviceRobo is an innovative partner supporting us with their psychometric credit scoring. Our cooperation really adds value to our business. They are a great bunch of people. We are happy to team up with them and benefit from their knowledge.”
AI-Driven Solutions to Improve Your Underwriting
AdviceRobo mission is to responsibly promote financial inclusion for the next generation, globally. Younger generations possess unique attributes such as digital fluency, strong entrepreneurial spirit, and a commitment to sustainability, often overlooked by traditional financial methods. To bridge this gap, we’ve crafted an advanced data collection tool tailored for next-gen traits and behaviors.
This tool serves as the foundation for our sophisticated analytical solutions, integrating cutting-edge AI, all while upholding ethical standards and respecting privacy within the regulatory framework. Our solutions empower you to exercise greater control with automated customer data enrichment and seamless data automation through our automatic data pipelines. We also offer innovative modeling and scorecards, in addition to assisting your team in developing customized scorecards. By embracing these solutions, you can embrace the future of financial inclusion and cater to the unique needs of the next generation.
Make Better Risk Decisions with Digital Footprints
Key Benefits
Real-time risk intelligence from Email, Phone, Device, IP, Browser analytics. Fast and Accurate. Trustfull monitors and scores identities, sign-ups, logins, transactions, and new accounts in real-time, silently in the background, without any impact on the user experience. Choose from single products integrations such as Email or Phone, IP, Browser, Device or select Trustfull Digital Score for a comprehensive bundle generating accurate risk scores on both consumers and small businesses/merchants.
Leverage alternative data for your risk decisioning, globally. Access hundreds of new data sources, from a single integration with Trustfull, providing actionable trust and accurate risk signals with unlimited international coverage. Remain fully protected and compliant adding an extra layer of security to your stack, detecting risk early in the journey, preventing costly and more complex fraud down the line.
“Integrating Trusfull’s identity scoring algorithms in our AML/KYC process allowed our bank to tap into alternative data sources to identify suspicious behavior in the account opening phase, with positive impacts on overall onboarding process and account opening times.”
Make Better Risk Decisions with Digital Footprints
Trustfull helps organisations across industries addressing challenges faced when acquiring, onboarding and protecting customer accounts and transaction attempts, as well as helping when onboarding small businesses and micro-merchants.
With the power of machine learning and digital footprint data derived from phone number, emails, IP address, device and browser data – Trustfull passively analyse and score hundreds of digital signals to form a comprehensive risk picture about the customer interaction, empowering businesses to make better decisions and ensure a safer digital environment.
Trustfull is an enterprise-first solution uniquely positioned in the market as:
More accurate and predictive data signals, with higher match rates into web and social accounts than any other provider.
Best in class Email and Phone Analytics product, with fully global market applicability at the highest accuracy rates.
Robust data sources, coupled with proprietary ML models and skilled teams providing tailored and customised support to enterprises.
Solution can be set-up independently or positioned alongside ANY existing organisation fraud and risk tool to complement and enhance security.
Trusted AI for Secure and Seamless Identity Solutions
Key Benefits
ID and Identity Verification. We offer versatile OCR for ID cards, business documents, payslips, utilities and more. Utilizing government data sources & AML lists, we ensure robust verification. Our video onboarding handles internet issues, while real-time feedback enhances conversions.
Stop Fraud with our Anti-Risk and AML Solutions. Verify in real-time with our in-house solutions. Our database can help prevent banned users, and duplicate accounts, or even enable face-based login! Run KYC + AML checks with configurable fuzziness logic, deceased flags, data sources, etc.
“IDfy plays a great role in innovations, making hit-and-try experiements possible, due to the platform’s capability to quickly conduct KYC and verification of merchants.”
IDfy Helps Businesses Connect With the Real
The digital economy runs on trust. After all, you do need to know who you’re dealing with. IDfy helps with that.
Specifically, IDfy’s video platform and many APIs help companies:
Identify people (does Jane Doe exist?)
Verify credentials (do the details belong to Jane Doe?)
Assess the risk of fraud (has Jane Doe committed fraud or is she likely to commit one?)
IDfy’s APIs use AI/ML algorithms to extract information from documents, check for tampering, verify ID details against official databases, compare faces across pictures, and run checks on criminal records.
Since its inception in 2011, IDfy has impacted more than 150 Million lives. Today, it runs 60 million plus verifications for 1300 clients across India, South East Asia, and the Middle East every month.
Highly skilled analyst work, at speed and scale. Xapien is a simple-to-use AI platform for anyone who needs to truly know their customer. It delivers comprehensive, executive level EDD reports in minutes not days, delivering consistency across teams and enabling rapid decisions.
Truly know your customer. Xapien’s AI goes beyond watchlist screening, scouring the length and breadth of the internet, reading and analyzing millions of sites, records and articles on your behalf. So you can truly know your customer.
“With Xapien, a day’s worth of research takes 12 minutes. Compliance is now the business enablement department, rather than the business prevention department.”
Identify Risk, Accelerate Trust, Engage Faster
It is currently difficult, expensive, and time-consuming to gather meaningful and relevant information on who you do business with. Existing risk and compliance tools rely on data sets and cover tick-box compliance, but don’t provide insight. Xapien is a simple-to use online platform that fully automates online research so you can make sound, fact-based judgements. Xapien reads and analyzes information from millions of disparate online media, news articles, leak sites, corporate records, and more, so you don’t have to. You’ll receive meaningful insights, set in context. Simply enter the name of your subject, some brief context and press Go. In minutes, you will have an executive-level report.
Xapien works around the clock, in any language, making thousands of decisions, so you only have to make one.
The Leader in AI-Driven Fraud and AML Risk Detection
Key Benefits
Automate customer onboarding and monitoring. Onboard legitimate customers quickly and confidently, keep bad actors out of your business and comply with AML obligations. Access ComplyAdvantage’s extensive risk database via our powerful screening and monitoring engine to protect your organization.
Identify and stop suspicious transactions. Detect suspicious transactions, identify potential fraud and take action while reducing false positive rates. AI-powered transaction monitoring from ComplyAdvantage, flags and prioritizes true risk for your analysts’ review whilst simultaneously reducing noise.
“[ComplyAdvantage is] a platform which supports a constant cycle of learning and evolving, able to adapt in line with the changing behavior of both customers and criminals.”
Identify Risk, Protect Your Business, Delight Your Customers
ComplyAdvantage is the financial industry’s leading source of AI-driven financial crime risk data and fraud detection technology. ComplyAdvantage’s mission is to neutralize the risk of money laundering, terrorist financing, corruption, and other financial crime. More than 1000 enterprises in 75 countries rely on ComplyAdvantage to understand the risk of who they’re doing business with through the world’s only global, real-time database of people and companies. The company identifies thousands of risk events daily from millions of structured and unstructured data points.
ComplyAdvantage has four global hubs in New York, London, Singapore, and Cluj-Napoca and is backed by Goldman Sachs, Ontario Teachers, Index Ventures, and Balderton Capital. Learn more at complyadvantage.com.
Get Access to 2600+ Banks Across Europe. With our easy-to-use connectivity engine, you will be able to quickly connect to banks’ (ASPSPs’) official APIs all over Europe, without having to worry about the complexity of supporting thousands of different integrations.
Stay Fully in Charge of Your Customers’ Data. Sending everyday letters or parcels, most people don’t spend much time considering what delivery service to use. But what about exclusive jewellery? A painting? Your customers’ financial data is amongst the most valuable packages of information they could ever trust you with. We are the safe and secure information passageway, enabling the future of financial services – without ever using your customers’ data.
“We have a great realtionship with Enable Banking and there is a high velocity in the process. They are super nice, very helpful and professional in their way of working.”
Why Enable Banking?
Our hands-off open banking API connects you to over 2,600 European banks. With us, you can fully focus on:
Your Creativity: Never worry about connectivity again. Create innovative cross-border solutions on your own terms.
Your Expansion: Expand internationally and scale your business. We’re constantly growing too!
Your Data: Your data is yours to use as you please, with complete confidence that your data provider will never tamper or use it in any way.
Your Risks: Leverage our APIs – e.g. for credit scoring purposes – in order to proactively manage credit risks.
Instant Multi-Bank Integrations with Brankas Data APIs. Let users connect their bank account to your platform, giving them faster access to their data and a better experience.
Capture Data Intelligently and Interpret it Faster. With quicker access to reliable data, you can personalize your customer’s experience depending on their wants and needs.
“Our partnership with Brankas allows us to help clinics in Indonesia finally move into a digital future that can make healthcare easier and more available for everyone. We are excited for the future of healthcare.”
Brankas – Leading Open Finance Technology Leader
Brankas helps businesses unlock modern financial services with market-leading technology. We have the largest network of bank APIs in Southeast Asia. We are also the only company invested in both API aggregation, which helps online businesses connect digitally to banks, as well as financial and payment infrastructure, which help banks and financial institutions monetize their banking platforms.
Resources
Visa Card Data Product
About Brankas
Services
Account Opening
Open Core
Open Finance Suite
Merchant Link
Brankas Direct
Brankas Disburse
Brankas Bank Data
Profiles and Scores
Life-centric profile
Financial health profile
Life-centric credit score
Other risk scores
Custom Solutions
Score card development
Model development
Design AI strategies and roadmaps for and with boards and management
Better data. Better credit decisions. Monto’s API provides a detailed, real-time view of SME business performance. We collect, standardize and visualize data from leading accounting providers to help lenders make faster and more accurate credit decisions.
Enhance your processes while improving the user experience. With Monto, lenders can easily authenticate borrowers and start working with high-quality data. Depending on your specific needs, our connectivity can make everything from data collection and onboarding to loan underwriting more efficient.
“The process of sharing financials is very easy with Monto. Our applicants can grant access to their accounting software in seconds.”
Your Single Access Point to SME Financial Data
Monto is a Stockholm-based fintech that helps Nordic SME lenders harness the power of real-time data. We combine smart tech and deep industry know-how to help fintechs, banks, lending brokers and BaaS platforms make better credit decisions, streamline processes and improve the customer experience.
With Monto, lenders no longer have to rely on manual, dated or mediocre data sources in their credit reviews. Our API unlocks instant access to up-to-date income statements, ledger quality, financial ratios, and more, fetched from leading accounting software providers in Sweden. We also provide a visual interface that allows credit teams to gain a comprehensive financial understanding of their connected borrowers.
Our platform is tech agnostic and available for a free trial.
Monto API. Seamless API connections to accounting software makes access to real-time financial data smooth, safe, and tailored to credit teams’ needs. Get full details on everything from rolling income statements to ROI and profit margins.
Standardized data. We categorize and standardize relevant financial data, allowing your team to access high-quality information and make better credit assessments. This helps you eliminate tedious and time-consuming manual data collection.
Visual interface. Get a comprehensive view of your customers’ financial situation in a single interface to enhance your credit decisions. We cover many of the key metrics and KPIs that drive a customer’s financial performance.
Easy onboarding. Monto’s pre-built authentication flow enables you to onboard new and existing customers in seconds. Your SME customers simply have to grant access to their financial data, and connect to their accounting provider.
Extensive coverage. Monto’s accounting integrations cover an estimated 95% of the SMEs in Sweden that use cloud-based accounting. Our future roadmap includes the other Nordic countries.
