Global Intelligence for Personalized Risk Decisions
Clarify your view of risk to approve more applicants and optimize origination strategies.
Enhance your understanding of risk and extend credit to more consumers
Leverage differentiated digital intelligence to close visibility and knowledge gaps and inform more trusted risk decisions.
Traditional credit data may not effectively predict consumer risk, leading to missed opportunities and increased risk exposure. Advanced alternative data insights can help lenders expand their addressable lending markets and mitigate rising default rates — while navigating complex regulatory requirements.
LexisNexis® Decision Trust can help improve origination decisioning
Increase risk assessment accuracy
Improve the customer experience
Lower operating costs
Mitigate fraud and credit abuse
LexisNexis® Decision Trust incorporates differentiated digital intelligence to help predict the likelihood of credit abuse letting you stay one step ahead of high default applications.
LexisNexis® Decision Trust incorporates differentiated digital intelligence to help predict the likelihood of credit abuse letting you stay one step ahead of high default applications.
For example, it can identify emails flagged by other financial institutions as high risk, detect mismatches between emails and devices, and alert you to suspicious geolocation activity.*
Evaluate more applicants
Enabling greater access to credit may require enhancing your risk assessment capabilities. LexisNexis® Decision Trust delivers highly predictive risk insights into credit invisible populations by incorporating alternative data outside of traditional scores.
Our solution integrates alternative data from a range of sources, including the applicant’s broader digital footprint and behavior history — creating a clearer view of risk and empowering you to extend more credit to more customers.
Enabling greater access to credit may require enhancing your risk assessment capabilities. LexisNexis® Decision Trust delivers highly predictive risk insights into credit invisible populations by incorporating alternative data outside of traditional scores.
Our solution integrates alternative data from a range of sources, including the applicant’s broader digital footprint and behavior history — creating a clearer view of risk and empowering you to extend more credit to more customers.
Refine swap in/swap out strategies
Alternative data can help you refine your understanding of consumer risk, allowing you to shift resources away from applicants posing a greater risk of default, and toward those who more closely fit your organization’s threshold for risk.
With a deeper understanding of consumer risk, you can increase approvals of applicants who may otherwise be denied without a corresponding increase in default rates.
Alternative data can help you refine your understanding of consumer risk, allowing you to shift resources away from applicants posing a greater risk of default, and toward those who more closely fit your organization’s threshold for risk.
With a deeper understanding of consumer risk, you can increase approvals of applicants who may otherwise be denied without a corresponding increase in default rates.
Inform risk-based pricing
LexisNexis® Decision Trust empowers you to more precisely segment your target audience, enabling customized pricing models and more competitive offers of credit.
By aligning price more closely with risk, you can improve profitability by increasing margins on low-risk loans while reducing losses from higher-risk loans.
LexisNexis® Decision Trust empowers you to more precisely segment your target audience, enabling customized pricing models and more competitive offers of credit.
By aligning price more closely with risk, you can improve profitability by increasing margins on low-risk loans while reducing losses from higher-risk loans.
Leverage digital reputation as a vehicle for improved risk decisioning
Three Key Components of the Consumer Knowledge Gap
Lack of Structured Information
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No traditional reporting infrastructure
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Credit information may be scarce, fragmented or tightly controlled
Lack of Behavioral Insights
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Large emerging population with no credit history
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Lack of contributory databases
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Negative-only reporting
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High incidence of credit abuse
Limited Analytics Technology
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Only the largest companies are able to leverage sophisticated fraud detection modeling
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Delayed adoption of advanced modeling and risk scoring techniques
Insights related to an individual’s digital footprint can provide powerful predictive signals of risk. Most consumers have multiple digital personas, credentials, devices and locations that culminate into a comprehensive global digital identity.
Every instance of digital engagement — from enrollments and purchases to emails and paying bills — presents an opportunity for fraud. However, savvy lenders can use that same collection of behaviors to confirm an individual as low risk, making them an appropriate candidate for credit.
LexisNexis® Decision Trust offers industry-leading digital intelligence to help improve risk decisioning — built on a robust global network of insights:
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Device
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Email
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Behavior
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Physical + digital identity
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Contributory intelligence
Clarify your view of applicant risk
Risk assessment requires a comprehensive view of your applicants. By drawing on multiple dimensions of differentiated digital intelligence, LexisNexis® Decision Trust provides a risk assessment that can allow you to optimize your default prevention and new customer acquisition strategies, expand your addressable market and help prevent credit abuse.
LexisNexis® Decision Trust Brochure
Clarify your view of risk with LexisNexis® Decision Trust Learn more about how to streamline loan origination and increase lending confidence with predictive digital intelligence.
Clarify your view of risk with LexisNexis® Decision Trust Learn more about how to streamline loan origination and increase lending confidence with predictive digital intelligence.
LexisNexis® Decision Trust Video
Enhance your understanding of risk with LexisNexis® Decision Trust. Learn more about how to improve origination decisions and drive growth.
Enhance your understanding of risk with LexisNexis® Decision Trust. Learn more about how to improve origination decisions and drive growth.
LexisNexis® Decision Trust Sales Sheet
Personalize your risk decisions with LexisNexis® Decision Trust. Learn to use global intelligence to close visibility gaps, approve more applicants and mitigate rising default rates.
Personalize your risk decisions with LexisNexis® Decision Trust. Learn to use global intelligence to close visibility gaps, approve more applicants and mitigate rising default rates.
Make more trusted decisions
Gain a nuanced view of consumer risk across the credit spectrum
and reveal previously unrealized opportunities.
*The use of LexisNexis Decision Trust for credit risk decisioning is only available in certain jurisdictions. Check with your LexisNexis Risk Solutions representative for details.