Credit Risk Analysis Software
Experian Credit 3D
For a full view of customer credit risk, 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.
Engage and convert new customers
Get to know your new customers and provide the best onboarding experience by making fast and accurate decisions. Access a comprehensive range of both traditional and non-traditional data to build a 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 assess risk and enhance your processes for intelligent and responsible decisions in near real-time.
Assess Customer Affordability
Make more accurate decisions and understand your customers’ ability to afford your products and services by obtaining a clear view of customers’ disposable income.
Widen Financial Inclusion
Build a multi-dimensional view of customers with little credit history without taking on increased risk, by uncovering behavioural insights from open banking / PSD2 transactional data.
Optimise SME Credit Decisioning
Accelerate and improve the accuracy of credit decisioning for small to medium sized enterprises (SMEs) through the acquisition of new data variables and scores.
Enhanced customer management
Our smart insights cover multiple 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.
Categorise Existing Customer Transactions
Uncover opportunities to extend credit by gaining a comprehensive view of your customers’ behaviours and preferences through categorised transactions and machine learning. Enable more effective marketing of the right offers to the right customers at the right time.
Augment Transactional Data Insights with Open Banking Data
Augment existing predictive scores with further in-depth insight into your customers’ income and expenditure behaviours using customer consented open banking data from other institutions.
Optimise Portfolio Profitability and Risk
Improve overall profitability and risk management for both your individual consumer and SME credit portfolios with our data and analytics consultancy services.
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.
Acquire Transactional Data Insights to Improve Collections
Use existing transactional data to create scores to predict collectability across your existing customer portfolio.
Blend Collections Data Insights
Blend predictive data variables from traditional data and non-traditional data to uncover new behavioural insights. Create new models of customer fragility to enable pro-active intervention and faster resolution.
Enhance SME Collections
Identify early warning signs of financial difficulty within your SME portfolio by collecting publicly available web data. Convert these into accurate and meaningful risk indicators to make more informed collections management decisions.
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.