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MKTplace-use case: Consumer Credit

Outra

Partners

Outra

Outra Data – Powering Your Business

Key Benefits

  • Property Attribute Data. Outra’s Property Attribute Data provides a wide range of data on every UK residential property. Taken from over 25 years of transactions, listings and surveys and supported by industry-leading Data Science for best results.
  • Home Move Triggers. Outra’s Home Move Triggers accurately predict when to target home movers to buy your products and services – identifying approx. 150,000 movers each month. This allows you to communicate with the right message at the right time.

“We have chosen to work with Outra Data due to better coverage of variables and transparency on actual and modelled data.”

POST OFFICE INSURANCE

Household Level Insights for a 360 Customer view

Outra is a data science and analytics company with over 5,000 unique data points from over 60 different data sources on over 30 million UK households. Giving companies GDPR compliant tools to understand their customer at a household level.

Outra is the UK’s leading residential property data company. Our depth, and accuracy of data is unmatched, meaning only Outra can provide a real time 360 view of the UK residential property market. 

Picking a home is the most important decision we will make. Whether it’s the location, cost, size, or energy efficiency, where you decide to live says a lot about who we are. That’s why we have put property data at the core of everything we do. 

Outra Data is more than just raw data. Our Data Science team use AI to identify patterns and actionable insights into customer behavior. Combined with our unique data sets, our range of solutions enable reduced costs for acquisition, retention, modelling, or whatever your business requirement is.

Resources

About Outra

  • Services

    Property Attribute Data

    Home Move Triggers

    Parking Model

    High Net Worth Model

    Vulnerability Index – Outra has developed the proprietary data science which enables organizations to identify their most vulnerable customers at a household level. Companies use the Outra vulnerability index to reduce customer churn and mitigate financial risk. With the cost of living crisis, it is more important than ever to understand where these customers are and how you can support and retain them.

  • Regions Supported

    United Kingdom (England, Scotland, and Wales)

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Palenca

Partners

Palenca

The First API for Payroll Data in Latin America

Key Benefits

  • Make better underwriting decisions with payroll data. Palenca connects companies to user-permissioned employment data. Validate historical and real-time income data directly from user’s income and employment sources.
  • Easily validate identity and employment instantly. With Palenca, access your customers employment records with their credentials and their consent, helping reduce fraud and optimize your KYC process.

Palenca, the Rirst Payroll API for Latin America.

Palenca’s software strives to become the most widely integrated Payroll API system in all LATAM. Through integrations with gig-economy apps, HR, e-commerce, and government platforms, we can bring rich risk and income related user data to financial, insurance and recruiting firms in just a fragment of a second.

With Palenca’s tool, companies can provide background checks, check payroll data, and real time behavior analysis for their end-users. Through these, firms can reinforce their internal evaluation processes for hiring and underwriting credit as well as access payment retention for loans and direct-deposit-switching for accounts.

About Palenca

  • Services

    • Employment and identity verification
    • Income verification (historical & real-time)
    • Direct Deposit Switch
    • Automated payment collection settings for loan repayments
  • Regions Supported

    • Latin America

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TeleSign

Partners

TeleSign

TeleSign Connects & Protects Digital Experiences Online

Key Benefits

  • Use Identity Data Sets to End the Tradeoff between Fraud and Growth. Fraudulent online accounts can be created at an alarming rate, resulting in spam, phishing attacks, promotion abuse, and other costly attacks. TeleSign helps you make smarter decisions about user risk with scores based on digital identities, traffic patterns, machine learning, and a global data consortium.
  • Faster, Safer, and Smarter Online Experiences. TeleSign’s PhoneID API helps you validate customers’ identities without adding friction by delivering real-time behavioral data, phone number intelligence, and mobile identity analytics based on the information you’re already collecting.

“TeleSign is a pioneer in digital identity and communications solutions for some of the most notable digital businesses in the world.”

Machine Learning in Action

Receive real-time actionable insights to measure users’ risk level and identify potential fraud before it happens – all with just a phone number.  

TeleSign Score returns a numerical risk assessment, fraud score reasoning, and recommendation. You determine your score threshold based on business needs and easily integrate it into existing account security workflows.  

As fraud evolves, so should your risk scoring.

About TeleSign

  • Services

    Score: Risk scoring tool assessing the reputation of phone numbers based on phone number attributes, traffic patterns, machine learning and two global fraud databases.

    PhoneID Standard: Basic phone number intelligence to identify which phone numbers can receive SMS messages and/or are a potential fraud risk. Cleans and reformats phone numbers as needed.

    PhoneID Contact: Phone number subscriber’s contact information to verify identities at registration, validate or identify name & address, and prevent fake customer information.

    PhoneID Contact Match: Contact match scores to validate an end-user’s first/last name and address during the onboarding process or high-value transactions against carrier subscriber contact data.

    PhoneID SIM Swap: Allows to understand if the SIM tied with the phone number has been swapped or not and, if so, when. TeleSign evaluates how likely it is that the SIM swap happened for a fraudulent reason using a scale from 1 to 4.

    PhoneID Subscriber Status: Identification of a user’s subscriber’s status to understand the strength of a subscriber’s identity or prevent unauthorized access to accounts: prepaid or postpaid phone number; active, suspended, deactivated; date of activation; length of account tenure.

    PhoneID Number Deactivation: Data intelligence indicating when a phone number has been deactivated, based on carriers’ phone number data and our proprietary analysis, delivers a date and time stamp.

    PhoneID Call Forwarding Detection: Details on the call forwarding status of a given phone number.

    PhoneID Porting Status: Allows to find out if a phone number was ported or not and what carrier the number is currently registered with.

    PhoneID Porting History: Allows to find out at what point and where a phone number was ported to, if ported within the last 90 days.

    PhoneID Live: Allows to understand if a phone number is still active, if it can be reached, and whether it is associated to a phone number that is roaming. If it is roaming, it allows to find out what country it is roaming in.

  • Regions Supported

    • Global

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HooYu

Partners

HooYu

HooYu – KYC and Customer Onboarding Platform

Key Benefits

  • Making the KYC Journey Smarter for Customers. HooYu combines UI & UX features with a range of KYC tools. Dynamic customer prompts, device language detection, reminders, customization, and customized journeys all help to maximize the success of customer onboarding journeys.
  • Prevent fraud with powerful identity technology. HooYu seamlessly blends a range of identity verification tools to check that there is no fraudster hiding behind the transaction.

“HooYu has created the best possible KYC process when customer documentation verification is required.”

BetFred

The Completely Configurable Customer Onboarding Journey

HooYu is a global customer on-boarding platform that provides UI & UX tools to deliver customized mobile or desktop digital journeys. HooYu is engineered not only to increase the integrity of KYC processes but to maximize the percentage of customers that can be successfully on-boarded. We are the first identity platform to blend ID document validation, digital footprint analysis, geo-location and facial biometrics with traditional database checks and PEPS & sanctions screening. 

About HooYu

  • Products

    • Digital customer onboarding journey UI & UX  
    • KYC orchestration 
    • ID document validation
    • Facial biometrics
    • Database checks
    • PEPs & Sanctions checks
    • Identity confidence scoring
  • Regions Supported

    • Global

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Global Data Consortium

Partners

Global Data Consortium

Global Data Consortium

Key Benefits

  • Electronic Identity Verification. eIDV uses personal information such as name, date of birth, or national ID from various data sources to quickly confirm if an individual is who they claim to be.
  • Know Your Business. Our KYB solution offers three levels of checks with varying degrees of verification to allow your business to retrieve the necessary information for onboarding, partnerships, beneficial owner checks, or more.

“One of the biggest things we love about GDC’s team is their flexibility. They worked to add new data sources to ensure we got the highest match rates possible.”

REMITLY

About Global Data Consortium

Global Data Consortium is a data-as-a-service company that delivers real-time, locally sourced identity and business verification for financial institutions, age restricted services, ecommerce, regtechs, and more around the globe. 

From swift customer and business identification for online account opening to identity verification for global money transfer to verifying ages for online gaming and age-restricted commerce, our local data providers reach deep into their markets to find unexpected sources of identity information, confirming anyone from thin-file clients to prominent persons of interest. Beyond the product itself, our Consortium of data providers, channel partners, and customers supply a continuous flow of knowledge and meaningful connection.

Resources

About Global Data Consortium

  • Products

    • KYC Electronic Identity Verification (AML Compliance Check, PEP/Watchlist/Sanctions Check, Intelligent Name Translation Engine)
    • Business Verification 
    • Know Your Business Check
    • Owners, Directors, and Officers Check
  • Countries Supported

    Argentina, Australia, Austria, Belgium, Brazil, Canada, China, Denmark, France, Germany, India, Italy, Mexico, Netherlands, New Zealand, Norway, Singapore, South Africa, Spain, Sweden, Switzerland, Turkey, United Kingdom, United States, Czech Republic, Finland, Ghana, Gibraltar, Hong Kong, Ireland, Japan, Luxembourg, Malaysia, Nigeria, Poland, Portugal, Slovakia, Bahrain, Chile, Colombia, Costa Rica, Ecuador, Egypt, Greece, Hungary, Indonesia, Jordan, Kenya, Kuwait, Lebanon, Malta, Oman, Panama, Paraguay, Peru, Phillipines, Qatar, Romania, Russia Federation, Saudi Arabia, Slovenia,United Arab Emirates,  Uruguay, Venezuela, Vietnam

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Spring Labs

Partners

Spring Labs

Quantify Future Employment Risk with Income Stability Indicators

Key Benefits

  • Real-time indicators of micro and macroeconomic changes. Spring’s Employer, Geography and Industry (EGI) level future employment risk indicators allow lenders to systematically adjust underwriting in a dynamic economic environment, addressing key gaps in backward-looking credit scores.
  • Orthogonal data to optimize lending decisions. Spring’s Proprietary Entity Resolver makes previously siloed EGI level data accessible for real-time use in underwriting. Data sources include public records, third party APIs, 37M+ US business records for entity resolution, and firmographic data.

“ISI helps us identify blind spots in our existing models as well as safely serve new segments.”

DIRECTOR OF RISK FOR A LARGE, ONLINE, UNSECURED LENDER

Close Major Blind Spots With Real-Time Insights

pring Labs’ Income Stability Indicators (ISI) aggregates a vast array of data sources at the Employer, Geography and Industry levels to provide a more comprehensive risk profile. ISI data allow lenders to combine real time economic insight with traditional credit data

  • Use ISI for loss mitigation or growth, systematically adjusting score cutoffs, credit line assignment and pricing
  • Improve custom credit or fraud risk scores by including 300+ data fields as model inputs
  • Increase acquisition or portfolio marketing campaign effectiveness and ROI by targeting growing industries or geographies

Don’t leave blind spots in your underwriting – learn how ISI can help strategically grow your portfolio.

Resources

About Spring Labs

  • Services

    • Proprietary employer and industry resolution
    • 300+ micro and macroeconomic indicators
    • Employer, Geography and Industry Risk Indices
    • Additional income underwriting products on Income Misrepresentation and Peer Lender Verified Income / Employment
  • Countries Supported

    • United States

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FinScore

Partners

FinScore

FinScore, Alternative Credit Scoring Company

Key Benefits

  • Unleash the power of alternative data. FinScore Telco Data Credit Score is built on over 400 various telco variables such as top-up patterns, voice and mobile data usage, duration of calls, SIM card age, and many more, available through the long-standing partnership between FinScore and SMART Communications.
  • Cutting-Edge AI & Machine Learning Technology. Derived from cutting edge machine learning algorithms, FinScore Telco Data Score has extremely high predictive power and can be used as either a standalone model or in a combination with existing score models. We help banks and financial institutions to increase approval rates, manage risk resulting in reduction of loan defaults, and even reach the untapped, underserved markets.

Credit Scoring for All | Alternative Data Credit Scoring in the Philippines

FinScore is known to be the first fintech company in the Philippines to leverage alternative data, including telco data to score credit-invisible markets. Telco data is based on over four hundred (400) telco variable as data and voice usage, top-up patterns, location, and SIM age, among others. Combined with FinScore’s Machine Learning algorithms cutting-edge technologies, such as Gradient Boosting and Neural Networks, FinScore is proven to have a highly predictive scoring power. FinScore scoring models have powered the telco credit scores of over 3.5 million Filipinos and over USD 500 million worth of loans have been disbursed in the Philippines.

Resources

About FinScore

  • Products

    • Alternative credit scoring solutions
    • Data Analytics
  • Regions Supported

    • The Philippines
    • APAC

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