Go Beyond Credit scores with Alternate Data Services
Are traditional credit assessment methods holding you back? Unlock the power of alternate data for more accurate and comprehensive credit risk assessment.
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Overcoming the Challenges of Traditional Risk Assessment Solutions
Don’t limit your effectiveness with traditional credit scoring models
Limited Data Sources
Limited view of a borrower’s financial behavior and creditworthiness with credit scores and payment histories. They don’t capture income volatility, employment history, or alternative credit sources thus don’t provide the complete picture.
Limited Predictive Power
Struggle to predict credit risk accurately, especially during economic downturns. These models often rely on historical data and may not adequately account for shifts in the economic landscape or changes in consumer behavior.
Lack of Timeliness
The process of collecting, verifying, and updating data for traditional risk assessments can be time-consuming. As a result, the information used to assess credit risk may become outdated by the time a decision is made.
Unlock the Future of Credit Risk Assessment with AuthBridge
Embrace the power of alternate data and elevate your decision-making process today
Financial Data
Complete Financial account data at your fingertips
This is the most acceptable data for determining the consumers’ capacity to repay a loan and to establish their credentials. Though this is established and historical information on the credit file, it can be further used for a better insight on consumers by deriving predictive summary variables.
Transaction level Banking
Credit Trade Line
Demand Deposit
Utility Data
The most reliable Alternate Data - Utilities
Insights from these data points can be determined from monthly spending patterns, consistent behavior, and financial discipline. The use of this information can also be combined with other data points to determine the identity and the intent of consumers.
Mobile
Bills
Electricity Bills
DTH Subscription
Non-Financial Data
Track consumer behavior, lifestyle and spending patterns
Use of information from social media and the web or account of digital presence. This information, in combination with financial and utility spending data can provide a deep insight into consumer behavior. Our cutting-edge solution leverages advanced analytics and AI to provide you with a deeper understanding of your customer’s creditworthiness.
Employment Details
Public Records
Education Details
Expert insights at your finger tips.
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