Coverage of nearly every checking, savings, and share draft account in the U.S.
Smart routing across portfolio of data aggregator relationships for more successful connections, faster consumer experience, and better data.
Secure, tokenized credentialing utilizing the latest OAuth and direct to core protocols available for every institution queried.
Paystreams from traditional and nontraditional employment analyzed with technology developed through millions of credit decisions.
Real-time insight into cash flow available to repay obligations with decision-ready attributes for deployment as rules or in risk models and scorecards.
Value-added cash flow underwriting analytics including income timing and stability.
Attributes similar to mainstream credit bureaus utilized by lenders in credit risk models and decision rules.
Real-time insights into income, indebtedness, balance trends, and high risk behaviors not found on a credit report.
Developed and tested in millions of real-world credit decisions.
Decision on a more complete financial picture with risk insights complementary to traditional credit reports and scores.
Built on industry’s largest data lake of banking activity data coterminous with credit decisions and loan outcomes
Verify an applicant’s identity and account number with data sourced from their financial institution.
Expose additional fraud risk with industry-first identity & fraud attributes derived from banking activity data.
Develop checklists and rules sets based on EDGE cash flow analytics tailored to your business.
Test and learn with analytics and performance data resident in EDGE’s portal to improve rules based on your risk parameters.