Gain critical insight into a consumer’s true financial health

Lenders looking to gain visibility into thin-file, credit-invisible and subprime segments can leverage alternative FCRA-regulated demand deposit account (DDA) data to better assess financial stability and ability to pay. Banking Insights™, powered by ChexSystems®, provides integrated DDA activity, including checking and savings account inquiries, forced account closures and retail check cashing activity.

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Increase approvals without added risk

Financial inclusion

Gain access to credit invisibles and traditionally unscoreable populations with DDA data. 

Holistic view

Accurately assess risk, make the right lending decisions and price accurately. 

Consolidated source

Access the largest network of DDA activity and Experian’s vast database in a single place. 

Cast a wider net

Learn how Banking Insights can help you serve the needs of more consumers

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Product benefits

  • Breadth of data – Leverage 300+ attributes on 250+ million consumers from 6,000 financial institutions and 1,500 lenders. 
  • Permissible use – Gain access to alternative FCRA-regulated data applicable across a wide range of industries. 
  • Universe expansion – Leverage DDA cash flow data to gain visibility into credit-invisible and thin-file consumers. 
  • Risk differentiation – Assess consumers and identify higher-risk consumers through suppression rules with accuracy. 
  • Improved decisioning – Create line assignment strategies and provide competitive offers through appropriate pricing and terms. 
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banking-insights-benefits

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