Expanding Financial Access

Expand Financial Access

Evaluate applicants with no credit history using identity and account-based insights to expand access to financial services responsibly.

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Get to know us

As the Trusted Custodian® of the National Shared Database℠ Resource, the Certos℠ network brings together decades of shared intelligence and advanced analytics to provide a comprehensive portfolio of identity, account, and payment risk solutions for the use cases you’re exploring here.

Explore the benefits

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Expands access for applicants with no credit history

Incorporate deposit account patterns and identity context to assess applicants with no credit history.

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Unlock new revenue opportunities

Apply risk indicators to support responsible growth while maintaining appropriate guardrails.

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Differentiate your institution with inclusive decisioning

Use alternative data criteria to evaluate lending risk during lending decisions.

The Certos℠ network in action

The Certos℠ network contains a broad set of performance data based on 11.5 billion transactional records contributed by 2,500 Financial Institutions.1

Explore our new account funding tools

Discover how our solutions can help you transform your customers' experiences and enhance your financial institution's new account opening strategy.

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Expand Credit Insights℠

Provides summarized deposit account activity to support evaluation of applicants with no credit history.

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Capabilities

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Incorporate deposit account data for an alternative credit assessment
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Supplement credit insights beyond bureaus
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Expand access to applicants with no credit history
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Support an inclusive decisioning workflow
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Verify Identity℠

Supports review of applicant identity using identity confidence, synthetic detection, and SSN verification.

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Capabilities

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Assess applicant identity using confidence indicators
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Detect synthetic and manipulated identity patterns
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Validate SSNs during onboarding
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Support regulatory and audit readiness
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Predict New Account Risk℠

Evaluates early account activity indicators to inform risk at account opening.

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Capabilities

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Evaluate early account activity risk indicators at account opening
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Provide account history context for risk assessment
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Inform risk-based onboarding decisions
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Support inclusion strategies

The Certos℠ advantage

The Certos℠  network brings together decades of verified data contributions and advanced analytics to provide a holistic view of identity, account, and payment risk through real-time intelligence—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 across the financial ecosystem, we provide innovative solutions to access more insights than any single institution can achieve alone, turning network-shared intelligence into shared assurance.

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Real-time intelligence

Real-time, connected intelligence distills complex data into clear, timely insights. As new signals enter the network and threats evolve, we continually advance and refine our solutions—strengthening protection and confidence.

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Talk to an expert

Learn how Certos helps financial institutions reduce fraud and protect payments at scale.

Complete the form to connect with our team.

Product(s) of Interest

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