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MKTplace-data type: Identification & Verification

Centrix

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Partners

Centrix

Centrix – Credit Bureau of New Zealand

Key Benefits

  • Consumer Credit Reports: Make better lending decisions. Backed by New Zealand’s largest credit database, Centrix credit reports help you reduce risk when lending to consumers. Centrix consumer credit reports include an easy-to-read credit score, repayment history and driver license verification.
  • Business Credit Reports. Centrix credit reports help you reduce risk when lending to businesses with an easy-to-read credit score. Business credit reports help you manage your cashflow and reduce lending and payment risk with customers and suppliers.

“Data from Centrix enables us to maximise the information on a customer’s credit file, through its strong positive credit reporting solutions. That enables us to simplify the application process for our customers. The comprehensiveness of Centrix information helps prevent fraudulent applications, non-disclosure, and gives us greater comfort from a credit risk perspective.”

PEPPER MONEY

Centrix is New Zealand’s local credit bureau, helping Kiwi businesses of all sizes help make more informed business decisions. Centrix credit checking and identity verification services allow decision makers to make quick and confident risk assessments and comply with the latest regulations.

Centrix business reports help you reduce risk when making decisions about who to do business with – customers, suppliers, and even employees. Keep track of those that owe you money and get alerts when their financial position changes.

Centrix holds the most comprehensive consumer credit information database in New Zealand – with credit information for over 4 million Kiwi consumers as well as a commercial bureau with information about NZ Companies and business accounts.

Resources

About Centrix

  • Services

    Business Credit Reports – Manage your cashflow and reduce lending and payment risk.

    Consumer Credit Reports – View a consumer’s credit score, repayment history and driver license verification.

    Comprehensive Credit Reports (CCR) – View defaults, enquiries, any company affiliations an individual has and insolvency records.

    Fraud & Identify Verification – SmartID simplifies AML and ID verifications while reducing fraud. SmartID with biometrics allows you to digitally verify the identiy of your customers.

    Beneficial Ownership Checks – Cut through complex company ownership structures with ease to identify beneficial owners and remain compliant with legislation.

    Vehicle Ownership Checks – View claims, vehicle ownership and registration.

    Tenancy Credit Checks – View Tenancy Tribunal files and an easy-to-read credit score with the click of a button.

    Personal Properties Securities Register – Manage security interests and improve your chances of recovering debt by registering your security interest.

    Credit Data Analytics – Use Centric analytics capability to gain market intelligence on customer risk profiles.

    Portfolio Healthchecks – Determine the health of your accounts and risks, optimise your sales and growth strategies, and be alerted to credit score changes as they happen.

    Alerts Monitoring – Know about changes to your customers’ financial position as they happen and avoid risk to your cash flow with tailored alerts.

    SmartLink Credit Reporting – Backed by information from multiple credit bureaus, SmartLink enables you to make more informed, prompt credit decisions.

  • Regions Supported

    • New Zealand
    • APAC

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WISE AI

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Partners

WISE AI

WISE EKYC – an AI-Powered Identity Verification Solution

Key Benefits

  • Instant identify verification and authentication in under three minutes. Transform identity verification with WISE EKYC, an AI-powered technology that delivers a fast and seamless customer experience. Say goodbye to time-consuming and manual onboarding. Experience effortless identity verification in under three minutes.
  • Lower cost with enhanced security. With WISE EKYC, companies can achieve lower costs and enhanced security in their onboarding processes by eliminating human verification costs, while AI can provide a more secure solution. Say goodbye to expensive manual processes – choose eKYC for a cost-effective and secure solution.

“We have no doubts about WISE AI, and we encourage industry players to explore what WISE AI can offer to their ecosystem.”

RICHARD KER, HEAD OF INNOVATION & INDUSTRY DEVELOPMENT AT CYBERVIEW SDN BHD

Empowered Organizations with AI-Powered Identity Service

  • Expertise with proven business use cases in Financial Institutions, Fintech, Government Services, Education, Certificate Authority and many more
  • Technology house with the ability to localize the technology and the processes to meet the regulations and policy needs
  • Technology is verified and tested by NIST from US, National Institute of Standards and Technology
  • The solutions comply with the regulations and policies under the central bank of Indonesia and Malaysia
  • Covering over 190 countries, national IDs and Passport

Resources

About WISE AI

  • Services

    • WISE EKYC
    • WISE ID Document OCR
    • WISE Liveness
    • WISE ID Fraud
    • WISE Face Compare

  • Regions Supported

    • APAC
    • Malaysia
    • Indonesia

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Data on Demand

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Partners

Data on Demand

ID.VU – Personal Data to Identify Vulnerable Consumers

Key Benefits

  • Identify Vulnerable Consumers to Meet Regulatory Requirements. The FCA published four key drivers of vulnerability and has defined the characteristics of a vulnerable person. ID.VU maps back those characteristics to score individual consumers as Highly Vulnerable, Currently Vulnerable or with Historic Vulnerability.
  • Identify Vulnerable Consumers to Lower Your Credit Risk and Create Better Outcomes. The solution allows businesses to identify and manage credit risk, prevent over-indebtedness, provide help to the customers most at risk of harm and meet their obligations to the regulators.

Identification. Verification. Communication.

Data On Demand builds consumer data products and solutions for service providers and end-users. We help organizations improve their understanding of their customers to enable better consumer outcomes.

We are well established as a provider of alternative data solutions to consumer debt collection companies in the UK who use our FIN.TRACE and RES.ID solutions. We provide 4.ID to global organisations who operate identity verification services for businesses with UK consumers.

Our ID.VU solution was created in July 2020 as a response to the pandemic and the changes in regulatory requirements for firms to identify vulnerable customers.

Resources

About Data on Demand

  • Services

    ID.VU – uses data from high-cost, short-term loan applications and the Vulnerability Registration Service to identify financially stressed individuals.

    4.ID – aggregates over 73 million individual data records to help users improve customer onboarding and fraud.

  • Countries Supported

    United Kingdom

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APLYiD

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Partners

APLYiD

World-Class 30 Second KYC Through Biometric AML Checks

Key Benefits

  • KYC & AML verification software. Taking KYC to new levels with Face Match, Liveness and OCR of 16,000 global government documents. Reduce your fraud and customer drop off with the world’s most reliable biometric technology.
  • UK’s broadest coverage of consumer data. Supercharge your verification rates with the largest data of consumers in the UK.

“Since implementing APLYiD solution we’re now seeing a 35% uplift of customers moving through our onboarding process.”

MARK BALICH, HEAD OF PRODUCT AT LATITUDE FINANCIAL SERVICES

AML and KYC: Building the Best Customer Experience

APLYiD brings to the market, the fastest, most reliable, trusted biometric technology to verify your customers identity for AML compliance. APLYiD specializes in advanced biometric ID verification technology. Our SaaS solution provides a simple, superfast biometric ID match and check service that complies with regulatory legislations in every country in the world.

About APLYiD

  • Services

    Face Matching

    Liveness

    AML Checks

    PEP & Sanctions Checks

  • Regions Supported

    United Kingdom

    Australia

    New Zealand

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Tartan

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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

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Smile API

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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

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