Insight and technology to create superior retail finance experiences
We help mail order, home shopping, bricks and mortar, and online retailers make fast, secure and confident credit decisions using a combination of decisioning software, credit data and identity and fraud solutions. Our solutions are flexible and complementary, supporting each stage of the customer journey and assisting with your approach to compliance.
Our credit risk solutions offer traditional risk scoring and trended data to help make the best lending decisions for consumers applying for credit at the point of purchase. This allows you to make instant, informed decisions.
Our affordability solutions can help ensure your customers are not taking on credit they can’t afford and that their credit limits remain suitable throughout their time with you. More robust checks can also 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 strengthens your approval process with anti-impersonation checks, cuts the risk of chargebacks and tackles delivery fraud where stock is lost to fraudulent addresses.
At the core, our consultative approach draws on our market knowledge and powerful data, insights and analytics to help build a robust, collated consumer record. Because when you truly understand your customers, it’s easier to build basket size and loyalty.
Leverage our deep understanding of consumers and the retail market to support a safe, smooth customer journey.
Our solutions allow you to make quicker, more accurate credit decisions rooted in affordability.
Our data and solutions enable real-time checks to help mitigate the risk of impersonation or delivery fraud.