Real-time data sharing for modern lending
Build a more complete, accurate view of an individual’s credit risk with access to rich contextual credit performance data in real-time.
Reduce
bad debt
Offering the most up to date picture of a consumers credit usage
Trended credit
insights
Protect against vulnerability with real-time monitoring
Positive
credit signal
Taking a balanced approach to help consumers build their credit profile
The future is real-time
Approve more while reducing risk with our granular set of insights with proven predictive power derived from default data to improve your credit risk modelling.
scenario
Traditional bureau data lacks detail and is out of date
In the time that it takes for a lender to report, and for the bureau to process an account to traditional bureaus the outstanding amount is wrong and potentially multiple payments have been made or missed. This results in missed opportunity for lenders and poorer outcomes for consumers.
The Future is real-time
It is time for more timely credit information sharing
Monitor an individuals level of indebtedness, recent loan applications and trended insights allowing lenders to get a more accurate, complete view of credit risk.
built for modern credit products
Accurately represent and adjust accounts with ease
Infact’s reporting format has been developed to accurately represent modern forms of credit such as Buy Now Pay Later, overcoming challenges such as returns and early pay backs. By doing so, ensuring consumers who use your products are fairly represented at all times.
real-time risk notifications
Monitor frequency and trend of credit usage
Rapidly spot when an individual is changing their behaviour by monitoring only available from real-time reporting. We monitor credit frequency and utilisation against trended behaviour to determine whether an individual is borrowing responsibly or is exhibiting risk indicators.
- Integrate any data point with any rule
- Opt for our proprietary insights or synthesize them with your own
- Implement your customer risk scoring seamlessly
Where we can help
Proof of
value analysis
Assess potential performance uplift and calibrate thresholds so you can start with a more effective scorecard.
Collaborative approach to building scorecards
We collaboratively support conversion and risk optimization through exploratory data analysis to aid your decision-making.
Co-innovate
with us
Join us in co-innovation to enhance your lending performance with our collaborative, personable team.
Improving the entire customer lifecycle
Learn how Credit Risk can help you gain a clearer picture on a consumers creditworthiness.
use case
Originations
Streamline your origination process with our affordability solution to boost conversions and promote responsible lending to more non-prime individuals.
use case
Customer management
Continually monitor your customers and identify new lending opportunities in your portfolio with our seamless affordability and event-driven notifications.
Real-time data for modern credit
Join us on our mission to innovate in the UK credit information market and take the next step in exploring our next-generation solutions for consumer credit decisioning.
Developer portal
Request access to our API documentation and Quick Start guides.
Speak to sales
Explore how our innovative products can help with our team of experts.
Follow our journey
Stay up to date with our progress as we disrupt the UK credit information market.