MKTplace-data type: Employment Verification

Nova Credit

Written by Allison Karavos on January 27, 2023. Posted in Partners. No Comments on Nova Credit

Partners

Nova Credit

Expand Your Credit-Eligible Universe

Key Benefits

Unlock new markets and optimize funnel conversion. Access trusted financial data to open new consumer segments, offer new products, and create loyal customers for life — all while maintaining your risk profile. Minimize your acquisition costs by optimizing your funnel conversion rate. Consumer-permissioned data gives you the confidence to approve more of the people that you’ve already attracted to your product offering.
Reduce portfolio risk and automate income verification. Respond to uncertain economic conditions and develop loss avoidance strategies by improving your risk assessment with up-to-date credit risk information. Automate your income verification processes with Cash Atlas™ and reduce time to fund. This solution helps increase applicant conversion rates, reduce manual intervention to review document uploads, and improve visibility into debt-to-income ratio and true income.

“We’re removing a barrier for millions of newcomers to the U.S. who arrive and instantly lose access to the credit history they built elsewhere.”
ATUL RANJAN, VICE PRESIDENT OF NEW ACCOUNT UNDERWRITING AT AMERICAN EXPRESS

Building a Fair and Inclusive Financial System for the World

Nova Credit is a consumer-permissioned credit bureau that helps businesses make more fair and informed decisions on millions of ‘thin file’, no credit history, or new-to-country applicants. The Credit Passport® unlocks cross-border credit bureau data to help businesses underwrite new-to-country newcomer populations. The Cash Atlas™ provides greater insight into the cash flows of any applicant, including verifying their income with greater precision than alternatives. Businesses use these products to approve more applicants without taking on more risk, and consumers are empowered to put their best foot forward in their applications.

Resources

About Nova Credit Services

About Nova Credit

Services
Credit Passport®: The only way to help approve qualified immigrants for mainstream credit. Credit Passport® gives businesses the ability to assess the creditworthiness of U.S. newcomers to issue financial products like credit cards, loans, phone plans, and more. Our solution provides access to international credit data that’s translated in real time to a standardized credit report.
Cash Atlas™: Improve credit risk assessment using bank transaction data. Cash Atlas™ helps businesses improve risk prediction for thick-file consumers and expand credit access to thin-file and no-file consumers. Leverage consumer-permissioned bank transaction data to layer affordability on top of existing underwriting models.
Regions Supported
Global

Basiq

Written by Allison Karavos on January 26, 2023. Posted in Partners. No Comments on Basiq

Partners

Basiq

Unlock the Future of Open Finance

Key Benefits

Accelerate access to Open Banking. Basiq has been helping organizations access and use financial data since 2017. Basiq helps organizations determine a suitable CDR access model and provides a platform with all of the tools to consume Open Banking data in a CDR compliant way.
Data and payments in a single platform. Securely access powerful data insights and execute payments via a single platform. The addition of financial data to payments provides essential information about a consumer’s financial situation, opening doors to a whole new world of solutions to make finance easier.

“Open Banking helps us to harness an even better customer experience and great data insights for
smarter and more responsible lending. With scraping inconsistencies, our focus is on future proofing our business to ensure we can always service our customers in a reliable and secure way.”
BISHARA HATOUM, FOUNDER & CEO AT FUNDO

Basiq, the Leading Open Finance API Platform

At Basiq, our vision is Making Finance Easy. Finance is complex and it can be hard for consumers to make informed financial decisions. We see a world where consumers are empowered to make smarter financial decisions and to engage with their finances in new and unique ways.

Basiq enables this by providing an Open Finance API platform for businesses to build innovative financial solutions. Our partners include some of the fastest-growing fintechs and banks in the region. As the building blocks of financial services, the platform facilitates the relationship between fintechs and consumers by enabling access to consented financial data from 130+ financial institutions and executing payments.

Backed by Reinventure, NAB Ventures, Plaid, Touch Ventures, Salesforce Ventures, and Visa, over 200 fintechs rely on the Basiq platform to deliver solutions to market.

Resources

About Basiq

Services
Connect – Access account and transaction data in real-time
Enrich – Enhance transactions with merchant data
Affordability – Gain deep insight of your customer’s finances
Payments – Execute payments through the Basiq platform
CDR Open Banking – Acquire and use Open Banking data in a CDR compliant way
Countries Supported
Australia
New Zealand

Tartan

Written by Allison Karavos on December 22, 2022. Posted in Partners. No Comments on Tartan

Partners

Tartan

Real-Time Income, Employment Verification of End Users

Key Benefits

Making Income and Employment Verification Seamless. Using income and employment data, lenders know more about their users and club with other data sources to develop a holistic credit profile. Get 60+ data points in a standardized format from the HRMS system.
Ten times reduction rate in end user journey TAT. Make use of multiple data points to pre-fill the end-user journey, which means less time spent by end users to input details without uploading numerous documents—leading to fewer user drop-offs and a seamless onboarding journey.

“Working with TartanHQ has helped us fetch and verify end users’ income and employment data in real time, making our underwriting model quicker and enabling better decisions.”
ASHWIN, PRODUCT LEAD, M2P

One-Click Access to Work Data From the Source-of-Truth

With Tartan’s payroll and workforce connectivity and digital identity APIs, we are making the process of employment and income verification seamless and credible using technology.

We enable businesses like digital banks, lenders, insurance, upskilling, tax platforms, and marketers to create and distribute products efficiently by partnering with HRMS, HRIS, work platforms, and payroll service providers.

We truly believe in financial inclusion for all and solve for multiple categories across salaried, freelance and gig workers. With the help our payroll APIs, our customers are able to target new segments, reach broader geographies and enter new markets.

About Tartan

Services
- Payroll pull
- Payslip OCR
- Work history verification
- Identity verification
- Utility verification
- Vehicle verification
- Financial Verification
Countries Supported
- India

Smile API

Written by Allison Karavos on December 12, 2022. Posted in Partners. No Comments on Smile API

Partners

Smile API

One Trusted Source for Employment Data in Asia

Key Benefits

Access to Employment Data through one API. Smile API provides user-authorized access to recent, comprehensive, verified employment data that is accessible in real-time from employment documents, HR and payroll systems, gig economy platforms, and social security systems through a Singe API.
Make better credit decisions, increase conversion, reduce risk. Unlike traditional sources of credit data like credit scores, blacklists or submitted documents, we provide greater coverage, real-time access, and the most recent, comprehensive, identity and employment data that is available in the market today.

Smile Provides Employment Data Across Platforms and Employers, all Through a Single API

We are building infrastructure for alternative credit data by allowing borrowers to easily share their employment and income information to lenders. We aggregate and unlock previously siloed employment and income data coming from employment documents, HR and payroll systems, gig economy platforms, and government systems. Everything is done in real-time and with their consent.

Resources

About Smile API

Services
- Capture and verify a user’s identity including their name and contact information
- Capture and verify income and employment data in seconds. Retrieve them straight form the source, as well as receive other historical employment data included in their file.
- Get access to other alternative credit data points to better assess your user’s credit worthiness such as their gig transaction data, performance ratings, insurance contributions and outstanding liabilities.
- Automatically capture of data from scanned or photographed employment documents
Countries Supported
- Philippines
- Indonesia
- Singapore

Mastercard

Written by Allison Karavos on December 9, 2022. Posted in Partners. No Comments on Mastercard

Partners

Mastercard

Smarter Data for Payments, Account Opening and Lending

Key Benefits

Better Data. Better Connections. Whether you’re seeking data from one of the largest financial institutions or the smallest credit union, Mastercard has you covered. Our connections cover 95% of all deposit accounts in the U.S.
Tomorrow’s Payments Begin with Mastercard Open Banking Data. We power apps and services with open banking data to underwrite and lend smarter, simplify and derisk payments, open and fund accounts and drive SME innovation. Scale quickly and create unique financial experiences with Mastercard.

“Mastercard’s open banking platform takes care of bank connections and allows us to focus on our mission of building the credit card of tomorrow.”
ALTERNATIVE CREDIT FINTECH

Trusted Data for Fintech Lending and Payments Innovation

Mastercard is a global technology company for lending, payments and account opening. We enhance access to capital by providing digital verification of income, assets and employment. Through our open banking platform, we drive an inclusive, digital economy that benefits everyone everywhere. We make transactions safe, simple, smart and accessible, reducing risk in payments through account owner verification, balance check and routing optimization. Mastercard’s consumer-permissioned data powers innovation with connections to the top FIs, wealth management, student loan and payroll providers. We partner with innovative financial institutions, lenders and fintech providers to give consumers and small businesses a leg up in a complicated financial world, helping to improve financial literacy, expand financial inclusion and ultimately lead to better financial outcomes.

Resources

About Mastercard

Services
Open Banking Data for Lending (card, mortgage, auto, personal, small business, tenant screening).
Open Banking Data for Payment Enablement (account verification, account-to-account payments, peer-to-peer payments, Buy Now, Pay Later).
Account Opening (account funding, identity, privacy).
Open Banking Data for Small Business (lending, payments and accounting/expense management).
Regions Supported
North America

Think360.ai

Written by Allison Karavos on December 6, 2022. Posted in Partners. No Comments on Think360.ai

Partners

Think360.ai

Think360.ai – Accelerating Intelligent Transformation

Key Benefits

Algo360: Alternate Data and AI-Powered Credit Scores. Algo360 is India’s largest AI-driven alternate credit score solution that provides lenders with 1000+ alternate data points to gauge the creditworthiness of individuals. Algo360 enables financial institutions to extend credit offerings to the underserved population.
Kwik.ID: Digitally Onboard Your Customers, Kwikly. Kwik.ID is an AI-backed customer onboarding and video KYC solution. It provides secure, compliant, and customizable digital onboarding. Kwik.ID has onboarded over 300,000+ remote customers with an NPS of 95+.
AAmaze: Enabling the Account Aggregator Ecosystem. AAmaze is a TSP licensee enabling the AA ecosystem, with a bank statement analyzer and personal finance solution. AAmaze’s AI-powered platform deep-dives into the rich open data framework, to support cash flow-based lending, custom savings, and money management solutions for customers (even those with no prior credit history), including both MSMEs and individuals.

“Think360.ai has helped us unlock the power of alternate data and design a seamless customer journey. We’re able to underwrite a lot better now compared to using only traditional forms of data like bureau reports. As a result, we have been able to expand our customer base and lend to new to credit borrowers with confidence.”
ABHISHEK UPADHYAY, NAVI

Think360.ai – Full-Stack Data Science and AI Firm

Think360.ai is a full-stack data science and AI firm with market-leading products, solutions and advisory services, founded in 2014.

Their offerings include Algo360 (India’s largest alternate credit score), Kwik.ID (best-in-class video KYC and customer onboarding solution), FlowXpert (low-code partner management and API management solution), and a modular modern underwriting stack (with advanced AI/ML risk modeling, multi-data parser, credit policy design, Business Rule Management System, and Risk-based pricing solutions). Think360 has been a bootstrapped, profitable, and high CAGR organization since its inception, and has worked with industry giants like Bank of Baroda, Bajaj Finance, Aditya Birla Finance, IDFC First Bank, Navi Technologies, BharatPe, RBLamong others.

Think360 is on a mission to “Accelerate Intelligent Transformation” through “Ideas powered by data.”

Resources

About Think360.ai

Services
- Algo360
- Kwik.ID
- AAmaze
Countries Supported
- India

Mistho

Written by Allison Karavos on October 12, 2022. Posted in Partners. No Comments on Mistho

Partners

Mistho

Mistho – Open Payroll API

Key Benefits

Collect 100% verified payroll and employment information including original documents. With Mistho your end-users will be able to share their income and employment information with you straight from their employer’s HR and payroll system. No more risk of fraud, no more unreliable manual uploads.
Build fully digital customer journeys and improve conversion. With Mistho, you can turn long verification processes into seconds and all within your existing digital flows via our SDK, allowing you to better qualify leads and convert those that matter.

“With Mistho, we can turn verification processes that sometimes take days waiting for manual responses from individuals or their employers into seconds.”
ANONYMOUS

Mistho – Open Payroll Connectivity for Europe

Mistho offers the first open payroll API for Europe that enables consumers to easily access and securely share their employment and payroll data with counterparties such as banks, insurers and lenders at the click of a button.

Our goal is to build the backend infrastructure for sharing payroll information and to help businesses offer the best consumer experience across the Fintech industry. We allow businesses to easily integrate the Mistho flow seamlessly into their existing customer journeys to verify end-user income without disrupting the user experience.

Using the Mistho API, customers can improve conversion rates, time in underwriting, reduce fraud and significantly reduce manual verification costs.

Resources

About Mistho

Services
- Income Verification
- Employment Verification
- Manual upload and OCR for payslips
Regions Supported
United Kingdom

Preventor

Written by Allison Karavos on October 5, 2022. Posted in Partners. No Comments on Preventor

Partners

Preventor

Digital Identity Verification, MFA, KYC and AML Platform

Key Benefits

Protect your business from digital fraud and identity theft. Streamline your digital customer’s journey in a simple, fast and fraud-free process, while growing your business without frontiers. With a single implementation AI-powered platform, we identify, onboard, screen and monitor your clients and their transactions.
A holistic approach. Preventor integrates all the tools you need for digital financial crime risk management into one: Verify (ID, age, PII data and more), Onboard (any client, any location and any service), Monitor (AML, KYC, KYB and more), Prevent (synthetic, payments and identity fraud).

Self-Service Digital Identity and Fraud Prevention Platform

Preventor is a self-service digital identity and fraud prevention platform that protects businesses from fraud and identity theft.

Our platform makes it easy to identify and prevent financial crime before it happens, using any device or location. We support 10,340 ID documents and templates, in 138+ languages, with an effectivity rate of 99%.

Preventor was created with you in mind – the business owner who wants to ensure the safety of their company and customers. We know that fraud prevention is not a one-size-fits-all solution, so we offer a variety of options for you to choose from. Whether you’re just starting out or have been in business for years, Preventor has a solution that will meet your needs.

We provide an easy-to-use API and to offer a suite of features, including our three main solutions: digital, AML, and compliance.

Resources

About Preventor

Services
Digital Solutions: onboard clients with a superior experience and peace of mind. Ensure that your customer is who they claim to be and prevent unwanted access to their accounts.
AML Solutions: protect your business against fraud and comply with regulatory mandates, including screening against sanctions lists and conducting customer due diligence.
Compliance Solutions: obtain a complete picture of who your client really is and establish a clear communication flow in your organization with our client-centered platform.
Regions Supported
Global

Identance

Written by Allison Karavos on September 28, 2022. Posted in Partners. No Comments on Identance

Partners

Identance

Providing Transparency and Security Globally Using Top-Notch Compliance Practices

Key Benefits

Automation, Integration, Affordability. Identance automates the onboarding and verification of individuals in as little as 15 seconds. Providing the ability to be integrated in any environment and ecosystem, we have SDKs for iOS, Android or Web and API. Our goal is to offer great value to great companies, with the most competitive prices on the market for start-ups, SMBs or Big Enterprises.
Verify Everything. Client-First Global Operations. Identance verifies documents, phone numbers, emails, address of the place of verification and even the verification of corporate clients in our KYB tool. We work worldwide: more than 60 languages, 19,000 automated documents and 4000 government databases included. We understand and appreciate that every business has its own special features and will customize solutions, with 24/7 support.

“Great product guys! It indeed can save tons of money and developer’s time, providing the customer with a convenient and stable SDK.”
IDENTANCE CUSTOMER

Verification Made Easy. Define Fraud Quickly and Efficiently

As part of the cryptocurrency exchange Identance has absorbed many nuances of crypto trading. As a separate project Identance has existed since 2018. Using the experience of knowledge of cryptocurrency exchanges we have created our own unique product. Identity verification, fraud prevention, KYC/AML and KYB are just the beginning. We are expanding our horizons and entering the market of different industries: banking, tourism, insurance, HR and others.

The registration process with Identance takes up to 10-15 seconds for the user. We care about the convenience of our customers and use a personalized approach to each case. Our prices are affordable and flexible depending on the type of service, while at the same time the quality remains at a high level.

Resources

About Identance

Services
- ID Verification
- Biometric Authentication, Person Verification
- Address verification
- Corporate verification
- Sanction List and PEP Screening
- AML Screening
- IPs check
- Fingerprint verification
- Analysis of sanctions lists (including world and PEPs lists)
- Anti-fraud system
- Verification by phone number
- Optical Character Recognition
- OFAC Sanctions List Screening
- “Hunter” AI Fraud Screening
- Phone Number Scoring and Screening
- One Time Password (OTP) Verification
Regions Supported
- Global

Cedar Rose

Written by Allison Karavos on September 26, 2022. Posted in Partners. No Comments on Cedar Rose

Partners

Cedar Rose

Global Business Intelligence and Compliance Solutions for Fast Client Onboarding

Key Benefits

Access to over 150 million entities in over 230 countries. Gain real-time access to one of the world’s largest corporate and legal entity databases. Reduce onboarding costs, identify and stop fraud, prevent financial and reputational losses, avoid non-compliance penalties and combat financial crime such as money laundering and terrorism financing.
Create valuable opportunities and sustainable long-term business relationships. Identify and onboard new customers, partners or investors seamlessly through our identification and compliance management solutions. For existing business relationships, our solutions can help monitor any changes and provide critical alerts like bankruptcies, liquidation, and change of ownership.

“The range of projects has covered almost every possible due diligence requirement, from the most basic documentation verification to some of the most challenging individual profiles. Cedar Rose has always performed to the highest standards of expertise.”
B&K INTERNATIONAL, USA

Building Trust, Driving Smart Decisions

Cedar Rose provides high-quality credit risk reporting and analysis, business intelligence and investigative due diligence on companies across the world.

Our core belief is simple: by facilitating trust, we can help our clients create valuable opportunities and sustainable long-term business relationships. With unparalleled access to solid, reliable information on your business partners, transactions can be made safer and more secure so your company can continue to grow with confidence.

With our state-of-the-art AI-powered processes and technology to capture, edit and present information, we deliver reports that are reliable and complete, quickly. Our services include company credit reports, full due diligence, electronic identity verification (KYC and KYB), compliance checks, and many other risk analysis and verification solutions.

Resources

About Cedar Rose

Services
Company credit reports
Due Diligence Reports (Individual and Company)
Electronic Identity Verification (KYC and KYB)
Automated Compliance Screening
Global Sanctions and Watchlists Checks
PEP Screening
Adverse Media Checks
Data Sets
Marketing Lists
Regions Supported
Global
Europe
Middle East
Africa
Asia
Australia
North America
South America

MKTplace-data type: Employment Verification

Nova Credit

Expand Your Credit-Eligible Universe

Key Benefits

Building a Fair and Inclusive Financial System for the World

Resources

About Nova Credit

Services

Regions Supported

Basiq

Unlock the Future of Open Finance

Key Benefits

Basiq, the Leading Open Finance API Platform

Resources

About Basiq

Services

Countries Supported

Tartan

Real-Time Income, Employment Verification of End Users

Key Benefits

One-Click Access to Work Data From the Source-of-Truth

About Tartan

Services

Countries Supported

Smile API

One Trusted Source for Employment Data in Asia

Key Benefits

Smile Provides Employment Data Across Platforms and Employers, all Through a Single API

Resources

About Smile API

Services

Countries Supported

Mastercard

Smarter Data for Payments, Account Opening and Lending

Key Benefits

Trusted Data for Fintech Lending and Payments Innovation

Resources

About Mastercard

Services

Regions Supported

Think360.ai

Think360.ai – Accelerating Intelligent Transformation

Key Benefits

Think360.ai – Full-Stack Data Science and AI Firm

Resources

About Think360.ai

Services

Countries Supported

Mistho

Mistho – Open Payroll API

Key Benefits

Mistho – Open Payroll Connectivity for Europe

Resources

About Mistho

Services

Regions Supported

Preventor

Digital Identity Verification, MFA, KYC and AML Platform

Key Benefits

Self-Service Digital Identity and Fraud Prevention Platform

Resources

About Preventor

Services

Regions Supported

Identance

Providing Transparency and Security Globally Using Top-Notch Compliance Practices

Key Benefits

Verification Made Easy. Define Fraud Quickly and Efficiently

Resources

About Identance

Services

Regions Supported

Cedar Rose

Global Business Intelligence and Compliance Solutions for Fast Client Onboarding

Key Benefits

Building Trust, Driving Smart Decisions

Resources

About Cedar Rose

Services

Regions Supported