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Traditional bureau data lacks detail and is out of date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 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
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