Take advantage of actionable analytics and insights to create superior retail finance experiences
We help mail order, home shopping, brick and mortar, and online retailers make fast, secure and confident credit decisions. We offer a powerful combination of decisioning software, credit data, and a variety of flexible, complementary solutions that support each stage of the customer journey and assist with your approach to compliance.
Our credit risk solutions offer traditional risk scoring and trended credit data for a more holistic consumer picture — helping you make instant, informed decisions regarding consumers applying for credit at the point of purchase.
Affordability solutions help ensure customers aren’t taking on credit they can’t afford and credit limits remain suitable throughout their time with you. More robust checks can help reduce the size of your future bad debt book and potential lost income.
Our CallValidate suite of identification and verification tools supports your risk management strategies by allowing you to quickly know customers are who they say they are. This enables genuine customers to transact with confidence and strengthens your approval process. At the same time, anti-impersonation checks can cut the risk of chargebacks and tackle delivery fraud where stock is lost due to fraudulent addresses.
Our expertise as a global insights and information company ultimately delivers an accurate and comprehensive picture of consumers. And when you truly understand customers, it’s easier to build basket size and loyalty.
Leverage our deep understanding of consumers and the retail market to support a secure, friction-right customer journey.
Robust creditworthiness checks allow you to make quicker, more accurate credit decisions that can protect vulnerable consumers.
Our data and solutions enable real-time checks to help mitigate the risk of impersonation or delivery fraud.