Strengthen Credit Risk Models
As consumer habits and practices continue to evolve, traditional credit score data is no longer enough to go on when attempting to build more accurate credit risk models. Instead, achieve far more successful lending decisions by incorporating de-identified data, outlining the footprints left behind by actual consumers as they transact through their everyday lives.
Envestnet | Yodlee’s de-identified user data gives you a representative view into how millions of consumers are managing and spending their money. Understand how things such as cash flow, ACH, direct deposits, NSFs and late fees can assist in building robust cohort models. Supplement the Envestnet | Yodlee Risk Insights Solutions with Envestnet | Yodlee data to enable you to make smarter decisions around individual creditworthiness. With Envestnet | Yodlee Data Analytics, your credit risk models become more powerful and enable less risky lending decisions.
Learn how Envestnet | Yodlee’s data can help you build better credit risk models. Contact us today.
With Our Data, You Will…
Easily import a representative, normalized, de-identified alternative dataset on consumer spending behavior
Detect nonlinear relationships between spending and credit default
Improve default and delinquency prediction
Grow your lending base by lending smarter
Build Better Credit Scoring Models
With near real-time updated data, Yodlee Data Analytics helps you to make better lending decisions by incorporating actual account information into your credit risk models. Better understand how consumer purchasing habits can improve credit risk modeling and start lending smarter today.
Additional Data Analytics Features
Income, cash flow, bill payment history, investments and more
Filter data by city, state, zip code or region, where available
Filter consumer expenditures by category
Data updated daily, in near real-time; sample historical data