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Expand Credit Insights℠

Extend access to financial services by adding alternative data into your credit-decisioning strategy

Expand Credit Insights℠ adds deposit account context to lending decisions for applicants with no traditional credit history.

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Extend credit responsibly to consumers without a traditional credit history

Expand Credit Insights℠ delivers summarized insights using contributed deposit account data to help lenders responsibly expand access to applicants with no traditional credit history.

What Expand Credit Insights℠ helps you do

Evaluate lending risk for consumers with no traditional credit history by incorporating deposit account insights, supporting more inclusive lending decisions while maintaining disciplined risk management.

Assess credit using alternative data

Use summarized deposit account attributes to evaluate lending risk during lending decisions.

Support customers with no credit history

Incorporate deposit account activity into underwriting processes to support lending decisions for consumers with no traditional credit history.

Experience the Expand Credit Insights℠ benefits

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Expand access to credit responsibly

Support broader access to credit by evaluating consumers with no credit history using summarized deposit account activity.

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Make informed credit decisions

Access summarized deposit account insights to support informed lending decisions.

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Help improve repayment risk assessments

Strengthen evaluation of repayment potential to help reduce customer default risk.

Expand Credit Insights℠ in action

How it works

Expand Credit Insights℠ analyzes contributed deposit account data to provide summarized attributes that support responsible credit decisioning.
1

Data contributed

Deposit account activity contributed by participating financial institutions.

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2

Activity summarized

Account activity patterns summarized into actionable credit attributes.

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3

Insights delivered

For no-hit no-file consumers, deposit account activity will be sent for review.

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4

Decisions expanded

Institutions extend credit responsibly to more consumers.

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Alternative credit insights, simplified

Extend access without expanding risk

Expand Credit Insights℠ provides lenders with an additional view of consumer financial activity patterns, enabling more inclusive credit decisions while maintaining disciplined risk management practices.

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Deposit activity

Summarized deposit account behaviors for credit evaluation.

Data Provided: Account attributes

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No credit history support

Insights for consumers with no credit history.

Data Provided: Alternative credit indicators

The Certos℠ advantage

The Certos℠  network brings together decades of shared intelligence and advanced analytics to provide a comprehensive portfolio of identity, account, and payment risk solutions, offering deeper insights than any institution can achieve alone.

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Trust at scale

We unite financial institutions through decades of unmatched data, creating a trusted network that grows stronger with every connection.

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Innovative solutions

With advanced analytics and detection technology informed by activity from contributing institutions, we provide innovative solutions that provide deeper insights than any single institution can achieve alone, turning network-shared intelligence into shared assurance.

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Real-time intelligence

Our solutions distill complex data into clear, timely insights. As new data enters the network and threats evolve, we continually advance and refine our solutions, strengthening protection and confidence.

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How can we help?

Let’s talk about how we can help grow your financial institution.

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