Data Engineering, Predictive Analytics, & Affordability Recommendations
Patent-pending RevealedAffordability™ technology forms the backbone of bank transaction solutions that provide an entirely new view of fraud, risk and affordability to underwriters and operations teams.
In seconds complex transaction information transforms into deep insights that power real-time decisions that outperform standard bank account snapshot statistics or categorization engine tags.
Bank Transaction Scoring Suites
The same set of flags, scores and trended attributes are returned whether you use Ocrolus, Plaid, Yodlee, Moneythumb, MX, Decision Logic, Cash Flow Solutions, Flinks, Open Banking, or DDA history straight from a bank database.
Small And Medium Enterprise (SMB) Scoring Suite
The Small Business Scoring Suite provides a complete and timely assessment of creditworthiness for small and medium businesses. Compared to traditional credit-based or public records underwriting there is nothing that is more predictive than actual cash flow history.
Differentiate between early default fraud and later stage affordability risk while gaining massive process improvements over manual underwriting.
AffordAI™ Affordability Recommendation Engine
The Right Payment.... Right Terms... Right Day of Week... is what makes the difference in a successful customer relationship versus one that ends up in collections. AffordAI™ improves the customer experience with recommendations that balance a customer's needs and existing obligations against inflows and payroll.
Transaction Science works with you to determine the best use of AffordAI™ recommendations within the context of any underwriting, lending, or analytics framework to derive maximum benefit.
Concise affordability recommendations include