Expanding Financial Access

Expand Financial Access

Evaluate applicants who have 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

The Certos Network In Action

The Certos network contains a broad set of deposit performance data contributed by 2,500 FIs with scored account data on 11.5 billion transactional records.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

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

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

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Capabilities

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

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

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Capabilities

Assess applicant identity using confidence indicators
Detect synthetic and manipulated identity patterns
Validate SSNs during onboarding
Support regulatory and audit readiness

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.

Trust at scale

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

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.

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.

How can we help?

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

One of our team members will be in touch within 2-3 business hours.

Product(s) of Interest

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