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. 

Accurate Underwriting Risk-Assessment -credit-score

Trusted by 2,000+ companies

Overcoming the Challenges of Traditional Risk Assessment Solutions

Don’t limit your effectiveness with traditional credit scoring models

Limited Manual Interventions

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.

Operational Risks

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.

Response Time

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 As a result, the information used to assess credit risk may become outdated by the time a decision is made.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

Account for Every Financial Transaction
Go beyond where is course with alternate credit risk assessment

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

Transform underwriting with efficient and accurate risk assessment

Expert insights at your finger tips.

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