Credit 3D
A complete and innovative suite of consumer and business credit data, scores and models.
Request a callbackFor a full view of your customer credit portfolio, you need more than a credit score.
Credit 3D brings traditional bureau credit scores, alternative and open data together with the latest data science, machine learning and advanced analytics techniques to build a comprehensive, multi-dimensional and accurate picture of your customer credit portfolio.
Through these smarter insights, our innovative Credit 3D suite means you can make the right decisions, at the right time, for the right consumer and business customers.
We combine our advanced analytics techniques and machine learning capabilities with data available to us through Open Banking and our core credit bureau to produce transformational insights into customer expenditure, habits and preference. In seconds, credit providers can make accurate and robust decisions to grow top-line revenues and reduce bottom-line costs across the customer credit lifecycle.
See how Credit 3D supports each stage of the credit lending lifecycle.
Find new customers
The key to finding the right customers is identifying new and underserved markets and customer segments. We have the insight and experience to help you create a full picture of your customer acquisition opportunities through pre-qualification, screen out customers who don’t match your risk profile and increase your customer satisfaction from the start of their journey with you.
Understand the market
Identify your target criteria
Create your audience
Perfect your messaging
Pre-qualify and quote
Pre-qualification
Our pre-qualification technology profiles consumers in seconds to match them with credit products that fit their needs and your criteria.
Business View
Get a definitive view of the UK business population, including contact data and insight to drive commercial marketing engagement.
Report: Credit Invisibles - making the invisible visible
Read on to find out why enriching your credit data is good for your business and your customers.
Engage and convert new customers
Get to know your new customers and provide the best onboarding experience by making fast and accurate decisions. Our comprehensive traditional credit score, trended credit data and alternative data sets mean you get the most multi-dimensional and robust view of your customers eligibility and capacity to afford credit. In turn, you can help your customers select the best product for their needs based on their affordability, and you can responsibly assess risk and enhance your processes for intelligent and responsible decisions in near real-time.
Understand your customer risk profile
Assess affordability
Help your customer choose the right product for them
Set your pricing
Enhance operational efficiency
Affordability Check
Make better decisions by understanding your customer’s ability to afford your products and services.
Trended Data
Build a full picture of your customers’ credit behaviour to make informed and fair decisions, even with your thin-file consumers.
BusinessIQ
Set your credit policies and integrate with your systems through our API.
Enhanced customer management
Our smart insights cover 500 different data variables which we use to give you a rich, single view of your customers as well as a long term predictive view. With this insight, you’re able to manage your customers throughout their time with you, optimising your ability to highlight opportunities and risk based on individual affordability for consumer or business customers.
Understand your current customer portfolio
Manage risk and capital
Manage customer credit limits
Automate renewals and offers
Inform your marketing activities for targeted campaigns
Trended Data
Get enriched data on your consumer portfolio to predict future payment behaviour.
BusinessIQ
A view of your business customer portfolio to help you identify opportunities and risks.
Blog: Using data and analytics for inclusive lending.
Read on to find out how data and advanced analytics can add in-depth detail for inclusive lending and decisioning.
Repayments and collections
By combining multiple data sources to get the richest understanding of an individuals’ or businesses’ borrowing and repayment behaviours, we can help you predict and tailor your collections process and preserve and protect your customer relationship.
Flag early signs of stress
Optimise collections pathways
Automate collections processes
Flag potentially vulnerable and high-risk customers
Increase recovery rates
Affordability Check
Use our aggregation platform and automated categorisation engine to streamline your data processing and understand your customer’s affordability.
Trended Data
Build a picture of your customer’s financial history and predict future behaviour for optimised collections.
Blog: Rising debt shows a need for lenders to act now to help consumers
How access to better data can increase opportunities to help consumers in debt and arrears.
Powered by Open Banking
Open Banking has provided an accessible gateway to transactional data for trusted companies, like us. Adding this data to our existing data sets and using our powerful analytics tools, we’re able to build a full picture of an individual or business so you have all of the information you need to make the right decisions for your business and your customer.
Want to know more?
Take a look at Affordability Check for account data categorisation and aggregation.
Open Banking plays a part in helping the lending industry become more inclusive.
It's estimated that a total of 8.3 million people in the UK have suffered from financial exclusion due to being ‘Credit Invisible’. Read on to find out how Open Banking has a role to play in making the lending industry more inclusive by providing more data points to base credit decisions upon.