In today’s financial market, access is everything. Taking advantage of real-time transactional data and unsurpassed account coverage, Accelitas creates frictionless account verification, improves ACH success rates, and meets Nacha compliance for fraud prevention.
These advanced validation and credit risk services are delivered on Accelerated Insight® our secure, cloud- based, SOC2-compliant platform offering innovative solutions spanning the lending and payments landscape.
Screen Leads
Ai Screen pre-qualifies leads to identify value and reduce underwriting costs
Accelitas non-FCRA lead screening services deliver real-time signals that enable lenders to tune their lead screening process to focus on First Payment Default (FPD), conversion, or both. These quick screens can identify a more inclusive consumer population while also helping prevent fraud.
Predict Credit
Ai Lift lets you see more and accept more creditworthy borrowers.
Combining predictive AI techniques with uncorrelated alternative data, our credit risk service allows lenders to see and accept 20-30% more good customers than traditional scoring methods.
Our Customer Insights web services provide a faster, smarter way to predict and accept creditworthy borrowers, and revive previously rejected applicants. The platform features two web services: Ai Lift™ and Ai Lift™ Save.
Validate Accounts
Ai Validate delivers real-time bank account validation with unmatched coverage
Accelitas Identity intelligence services provides automatic bank account validation with unmatched consumer coverage – delivering a frictionless customer experience without the use of Online Banking (OLB) credentials. Proprietary analytics and risk modeling produce indicators on the validity, activity, and risk of bank account information submitted to improve ACH success rates, reduce returns, mitigate fraud risk, and lower abandonment.
Ai Validate offers three bank account verification tools that support fraud screening and Nacha compliance for low, medium, and high-risk transactions.
- Ai Validate Bank Data uses proprietary technology to automatically identify and filter out non-working routing and account number combinations, eliminating these anomalies at the beginning of the validation process and significantly reducing downstream costs. This service is typically used for lower value/lower risk ACH transactions (e.g., utility payment at account opening).
- Ai Validate BAV leverages the same powerful analytics but adds unique data sources that are tuned for higher value/higher risk ACH transactions, where the client either does not want or cannot use FCRA data for BAV. Real-time bank account transactional data & status is leveraged (e.g., auto loan payment at account opening).
- Ai Validate BAV | FCRA is typically used for higher value/higher risk ACH transactions. (e.g., funding a consumer loan). Accelitas service provides real-time consumer behavioral data in the response to the client and can be used for Adverse Action purposes.
To learn more, contact sales@accelitas.com or 415-842-7715.
Accelitas is a Nacha Preferred Partner.
