Credit Cards
Reduce friction and mitigate risk in your credit card onboarding with real-time approvals and intelligent decisioning.
faster underwriting
of decisions automated
improvement in decisioning efficiency
Deliver customer-centric credit card onboarding experiences that mitigate fraud and default loss, while maximizing agility to ensure sustainable business growth.
Proactively Mitigate Credit Risk at Onboarding
Experience dynamic, intelligent decisioning that enables you to approve new customers in real-time, without sacrificing your risk strategy.
- Onboard faster, with dynamic risk logic and machine learning optimization for real-time credit assessment
- Use data efficiently: gain more holistic views of customer risk by calling the right data at the right time
- Quickly promote changes when and where you need to thanks to agility-friendly technology with built-in testing, simulation, and code management
- React faster to evolving market demands and risk threats with a low-code, drag-and-drop UI for improved self-sufficiency
Reduce Fraud and Manage Compliance at Onboarding
Evolve your fraud risk detection as quickly as the threats targeting the credit card industry.
- Eliminate silos between your fraud and credit teams by easily integrating a variety of fraud and compliance data into your decisioning workflows, including bureau, alternative, open banking, compliance, fraud checks, and identity data
- Make real-time, accurate decisions based on multiple layers of fraud detection capability
- Quickly test and deploy additional data sets for deeper fraud insights
- Rapidly respond to new threats with configurable decisioning rules
Maximize Engagement and Customer Value
Optimize your risk decisioning strategy to include dynamic customer management that maximizes value across the entire lifecycle.
- Build better relationships with existing customers by offering personalized, relevant and high-value products offerings thanks to embedded intelligence that gets smarter with every decision made
- Minimize losses and identify at risk accounts earlier with AI-powered evaluation of customer behavior and ongoing risk monitoring
- Get to your existing customers before your competitors with straight-through processing that powers real-time decisioning
- Increase customer loyalty across the lifecycle with high-value engagement at every touchpoint (including onboarding, credit limit increases, automated renewals, and more)
Collections
Fair collections strategies to maximize the chance for ongoing credit relationships.
