--- title: Accelitas Insights Blog | Explainable AI description: Explainable AI | Accelitas® is reimagining financial access through the transformative power of data. Our AI-powered data analytics deliver fast, fair and frictionless ways to help businesses grow by confirming identity, predicting credit, and reconciling data and enabling payments --- [![accelitas-circle-logo_bright-green_web](https://knowledge.accelitas.com/hs-fs/hubfs/accelitas-circle-logo_bright-green_web.png?width=1500&height=1501&name=accelitas-circle-logo_bright-green_web.png "accelitas-circle-logo_bright-green_web")](http://www.accelitas.com) - [Home](https://www.accelitas.com/) - [Solutions](https://www.accelitas.com/bank-account-validation) - [Bank Account Validation](https://www.accelitas.com/bank-account-validation) - [Lead Screening](https://www.accelitas.com/lead-screening) - [Credit Scoring](https://www.accelitas.com/custom-credit-scoring) - [Accelerated Insight Platform](https://www.accelitas.com/accelerated-insight-platform) - [Use Cases](https://www.accelitas.com/use-cases) - [Industries We Serve](https://www.accelitas.com/use-cases) - [Collections](https://www.accelitas.com/use-cases-collections) - [Billers](https://www.accelitas.com/use-cases-billers) - [Fintechs](https://www.accelitas.com/use-cases-fintechs) - [Storefront Lending](https://www.accelitas.com/use-cases-storefront) - [Payroll Providers](https://www.accelitas.com/use-cases-payroll-providers) - [Payment Processors](https://www.accelitas.com/use-cases-payment-processors) - [Resources](https://www.accelitas.com/resources-overview) - [Resources Overview](https://www.accelitas.com/resources-overview) - [Blogs](https://knowledge.accelitas.com/blog) - [Fact Sheets](https://www.accelitas.com/fact-sheets) - [Case Studies](https://www.accelitas.com/case-studies) - [eGuides](https://www.accelitas.com/eguides) - [Executive Briefs](https://www.accelitas.com/executive-briefs) - [Webinars](https://www.accelitas.com/webinars) - [Videos](https://www.accelitas.com/video-center) - [Press Releases](https://www.accelitas.com/press-releases) - [Developer Portal](https://devportal.accelitas.com/) - [About](https://www.accelitas.com/company-and-mission) - [Company and Purpose](https://www.accelitas.com/company-and-mission) - [Leadership](https://www.accelitas.com/leadership) - [Investors + Advisors](https://www.accelitas.com/investors-advisors) - [Partners](https://www.accelitas.com/our-partners) - [Careers](https://www.accelitas.com/careers) - [Process and Pricing](https://www.accelitas.com/process-and-pricing) - [Request a Demo](https://www.accelitas.com/contact-us) - [Home](https://www.accelitas.com/) - [Solutions](https://www.accelitas.com/predict-credit-1) - [Bank Account Validation](https://www.accelitas.com/bank-account-validation) - [Lead Screening](https://www.accelitas.com/lead-screening) - [Credit Scoring](https://www.accelitas.com/custom-credit-scoring) - [Accelerated Insight Platform](https://www.accelitas.com/accelerated-insight-platform) - [Resources](https://knowledge.accelitas.com/blog) - [Blogs](https://knowledge.accelitas.com/blog) - [Fact Sheets](https://www.accelitas.com/fact-sheets) - [Case Studies](https://www.accelitas.com/case-studies/) - [eGuides](https://www.accelitas.com/eguides) - [Executive Briefs](https://www.accelitas.com/executive-briefs) - [Webinars](https://www.accelitas.com/webinars) - [Videos](https://www.accelitas.com/video-center) - [Press Releases](https://www.accelitas.com/press-releases) - [Developer Portal](https://devportal.accelitas.com/) - [About](https://www.accelitas.com/about/) - [Company and Purpose](https://www.accelitas.com/company-and-mission) - [Leadership](https://www.accelitas.com/leadership) - [Investors + Advisors](https://www.accelitas.com/investors-advisors) - [Partners](https://www.accelitas.com/our-partners) - [Careers](https://www.accelitas.com/careers) - [Process and Pricing](https://www.accelitas.com/process-and-pricing) - [News & Events](https://www.accelitas.com/news-events/) - [News & Events](https://www.accelitas.com/news-events) - [Contact Us](https://www.accelitas.com/contact-us/) # Accelitas Insights [![](https://knowledge.accelitas.com/hubfs/Accelitas_Notification-Blue.png)](https://knowledge.accelitas.com/blog/staffing-announcement-krawczyk-cook-0) ## As fintech seeks next level solutions, Accelitas expands its innovative leadership Steve Krawczyk named Chief Technology Officer, James Cook brings strategic experience as new Senior Director of Product Management BlogPost 35305848779 Accelitas | Announcement | Steve Krawczyk | James Cook [Read More](https://knowledge.accelitas.com/blog/staffing-announcement-krawczyk-cook-0) 0 Comments [Click here to read/write comments](https://knowledge.accelitas.com/blog/staffing-announcement-krawczyk-cook-0#comments-listing) Tags: [lending](https://knowledge.accelitas.com/blog/topic/lending), [Financial Services](https://knowledge.accelitas.com/blog/topic/financial-services), [Accelitas](https://knowledge.accelitas.com/blog/topic/accelitas), [credit risk management](https://knowledge.accelitas.com/blog/topic/credit-risk-management), [Artificial Intelligence](https://knowledge.accelitas.com/blog/topic/artificial-intelligence), [Alternative Data](https://knowledge.accelitas.com/blog/topic/alternative-data), [Credit Risk](https://knowledge.accelitas.com/blog/topic/credit-risk), [credit screening](https://knowledge.accelitas.com/blog/topic/credit-screening), [Explainable AI](https://knowledge.accelitas.com/blog/topic/explainable-ai), [predictive analytics](https://knowledge.accelitas.com/blog/topic/predictive-analytics), [Credit Reporting](https://knowledge.accelitas.com/blog/topic/credit-reporting), [credit decisions](https://knowledge.accelitas.com/blog/topic/credit-decisions), [AI-Powered Analytics](https://knowledge.accelitas.com/blog/topic/ai-powered-analytics), [Real-time Data](https://knowledge.accelitas.com/blog/topic/real-time-data), [Creditworthy Borrowers](https://knowledge.accelitas.com/blog/topic/creditworthy-borrowers), [Financial Access](https://knowledge.accelitas.com/blog/topic/financial-access), [AI](https://knowledge.accelitas.com/blog/topic/ai), [Predict Credit](https://knowledge.accelitas.com/blog/topic/predict-credit), [Fintech](https://knowledge.accelitas.com/blog/topic/fintech), [Reimagining Financial Access](https://knowledge.accelitas.com/blog/topic/reimagining-financial-access), [Confirm Identity](https://knowledge.accelitas.com/blog/topic/confirm-identity), [Payments](https://knowledge.accelitas.com/blog/topic/payments), [Enable Payments](https://knowledge.accelitas.com/blog/topic/enable-payments), [James Cook](https://knowledge.accelitas.com/blog/topic/james-cook), [Fraud Prevention](https://knowledge.accelitas.com/blog/topic/fraud-prevention), [Microclimate Score](https://knowledge.accelitas.com/blog/topic/microclimate-score), [CTO](https://knowledge.accelitas.com/blog/topic/cto), [Steve Krawczyk](https://knowledge.accelitas.com/blog/topic/steve-krawczyk) [![](https://knowledge.accelitas.com/hubfs/image-3.png)](https://knowledge.accelitas.com/blog/state-of-identity-podcast-reimagining-financial-access) ## What’s new in the State of Identity? Jimmy Williams delivers some essential answers Accelitas shares insights on volatile market and fintech solutions in State of Identity’s latest podcast titled Accelitas: Reimagining Financial Access BlogPost 34475196881 State of Identity | Podcast | Accelitas | Reimagining Financial Access [Read More](https://knowledge.accelitas.com/blog/state-of-identity-podcast-reimagining-financial-access) 0 Comments [Click here to read/write comments](https://knowledge.accelitas.com/blog/state-of-identity-podcast-reimagining-financial-access#comments-listing) Tags: [Machine Learning](https://knowledge.accelitas.com/blog/topic/machine-learning), [lending](https://knowledge.accelitas.com/blog/topic/lending), [Financial Services](https://knowledge.accelitas.com/blog/topic/financial-services), [AI Lift](https://knowledge.accelitas.com/blog/topic/ai-lift), [Identity verification](https://knowledge.accelitas.com/blog/topic/identity-verification), [Accelitas](https://knowledge.accelitas.com/blog/topic/accelitas), [credit risk management](https://knowledge.accelitas.com/blog/topic/credit-risk-management), [Artificial Intelligence](https://knowledge.accelitas.com/blog/topic/artificial-intelligence), [Alternative Data](https://knowledge.accelitas.com/blog/topic/alternative-data), [One World Identity](https://knowledge.accelitas.com/blog/topic/one-world-identity), [Credit Risk Web Service](https://knowledge.accelitas.com/blog/topic/credit-risk-web-service), [Credit Risk](https://knowledge.accelitas.com/blog/topic/credit-risk), [credit screening](https://knowledge.accelitas.com/blog/topic/credit-screening), [Explainable AI](https://knowledge.accelitas.com/blog/topic/explainable-ai), [predictive analytics](https://knowledge.accelitas.com/blog/topic/predictive-analytics), [thin-file](https://knowledge.accelitas.com/blog/topic/thin-file), [Credit Reporting](https://knowledge.accelitas.com/blog/topic/credit-reporting), [credit decisions](https://knowledge.accelitas.com/blog/topic/credit-decisions), [AI-Powered Analytics](https://knowledge.accelitas.com/blog/topic/ai-powered-analytics), [Automated Lending](https://knowledge.accelitas.com/blog/topic/automated-lending), [point-of-sale data](https://knowledge.accelitas.com/blog/topic/point-of-sale-data), [custom credit score](https://knowledge.accelitas.com/blog/topic/custom-credit-score), [COVID-19](https://knowledge.accelitas.com/blog/topic/covid-19), [Real-time Data](https://knowledge.accelitas.com/blog/topic/real-time-data), [Coronavirus](https://knowledge.accelitas.com/blog/topic/coronavirus), [Essential Retail Transactions](https://knowledge.accelitas.com/blog/topic/essential-retail-transactions), [Creditworthy Borrowers](https://knowledge.accelitas.com/blog/topic/creditworthy-borrowers), [Predict Credit](https://knowledge.accelitas.com/blog/topic/predict-credit), [Fintech](https://knowledge.accelitas.com/blog/topic/fintech), [State of Identity](https://knowledge.accelitas.com/blog/topic/state-of-identity), [Reimagining Financial Access](https://knowledge.accelitas.com/blog/topic/reimagining-financial-access), [OWI](https://knowledge.accelitas.com/blog/topic/owi), [inclusion](https://knowledge.accelitas.com/blog/topic/inclusion), [Explainable](https://knowledge.accelitas.com/blog/topic/explainable) ## It’s only fair. How Explainable AI is transforming compliance Explainable AI is transforming lending compliance AI-powered analytics deliver credit risk that is predictive, insightful, and regulation-friendly BlogPost 19312646446 It’s only fair. How Explainable AI is transforming compliance [Read More](https://knowledge.accelitas.com/blog/how-explainable-ai-is-transforming-compliance-0-0) 2 Comments [Click here to read/write comments](https://knowledge.accelitas.com/blog/how-explainable-ai-is-transforming-compliance-0-0#comments-listing) Tags: [Machine Learning](https://knowledge.accelitas.com/blog/topic/machine-learning), [lending](https://knowledge.accelitas.com/blog/topic/lending), [AI Lift](https://knowledge.accelitas.com/blog/topic/ai-lift), [Accelitas](https://knowledge.accelitas.com/blog/topic/accelitas), [credit risk management](https://knowledge.accelitas.com/blog/topic/credit-risk-management), [Artificial Intelligence](https://knowledge.accelitas.com/blog/topic/artificial-intelligence), [linear model](https://knowledge.accelitas.com/blog/topic/linear-model), [interpretable results](https://knowledge.accelitas.com/blog/topic/interpretable-results), [Alternative Data](https://knowledge.accelitas.com/blog/topic/alternative-data), [Credit Risk Web Service](https://knowledge.accelitas.com/blog/topic/credit-risk-web-service), [Credit Risk](https://knowledge.accelitas.com/blog/topic/credit-risk), [Adverse Actions](https://knowledge.accelitas.com/blog/topic/adverse-actions), [credit screening](https://knowledge.accelitas.com/blog/topic/credit-screening), [Explainable AI](https://knowledge.accelitas.com/blog/topic/explainable-ai), [predictive analytics](https://knowledge.accelitas.com/blog/topic/predictive-analytics), [CFPB](https://knowledge.accelitas.com/blog/topic/cfpb), [near prime](https://knowledge.accelitas.com/blog/topic/near-prime), [FCRA Compliant](https://knowledge.accelitas.com/blog/topic/fcra-compliant), [Credit Reporting](https://knowledge.accelitas.com/blog/topic/credit-reporting), [Credit Reporting Agency](https://knowledge.accelitas.com/blog/topic/credit-reporting-agency), [credit decisions](https://knowledge.accelitas.com/blog/topic/credit-decisions), [compliance](https://knowledge.accelitas.com/blog/topic/compliance), [AI-Powered Analytics](https://knowledge.accelitas.com/blog/topic/ai-powered-analytics) [![](https://knowledge.accelitas.com/hubfs/Accelitas-turbo-charge-your-credit-score.jpeg)](https://knowledge.accelitas.com/blog/accelitas-is-giving-traditional-credit-scores-a-serious-turbo-charge-0) ## Giving traditional credit scores a serious turbo charge Accept more creditworthy customers with the scored applicants you have already rejected, and identify millions of un-scored and thin-file consumers BlogPost 19308904324 Giving traditional credit scores a serious turbo charge [Read More](https://knowledge.accelitas.com/blog/accelitas-is-giving-traditional-credit-scores-a-serious-turbo-charge-0) 0 Comments [Click here to read/write comments](https://knowledge.accelitas.com/blog/accelitas-is-giving-traditional-credit-scores-a-serious-turbo-charge-0#comments-listing) Tags: [Machine Learning](https://knowledge.accelitas.com/blog/topic/machine-learning), [lending](https://knowledge.accelitas.com/blog/topic/lending), [AI Lift](https://knowledge.accelitas.com/blog/topic/ai-lift), [Accelitas](https://knowledge.accelitas.com/blog/topic/accelitas), [Artificial Intelligence](https://knowledge.accelitas.com/blog/topic/artificial-intelligence), [linear model](https://knowledge.accelitas.com/blog/topic/linear-model), [interpretable results](https://knowledge.accelitas.com/blog/topic/interpretable-results), [Credit Risk Web Service](https://knowledge.accelitas.com/blog/topic/credit-risk-web-service), [Credit Risk](https://knowledge.accelitas.com/blog/topic/credit-risk), [Adverse Actions](https://knowledge.accelitas.com/blog/topic/adverse-actions), [Credit Scores](https://knowledge.accelitas.com/blog/topic/credit-scores), [credit screening](https://knowledge.accelitas.com/blog/topic/credit-screening), [Explainable AI](https://knowledge.accelitas.com/blog/topic/explainable-ai), [predictive analytics](https://knowledge.accelitas.com/blog/topic/predictive-analytics), [CFPB](https://knowledge.accelitas.com/blog/topic/cfpb), [near prime](https://knowledge.accelitas.com/blog/topic/near-prime), [FCRA](https://knowledge.accelitas.com/blog/topic/fcra), [thin-file](https://knowledge.accelitas.com/blog/topic/thin-file), [un-scored](https://knowledge.accelitas.com/blog/topic/un-scored), [FCRA Compliant](https://knowledge.accelitas.com/blog/topic/fcra-compliant) [![AI Lift is giving credit risk a new angle_Accelitas_Blog](https://knowledge.accelitas.com/hubfs/AI%20Lift%20is%20giving%20credit%20risk%20a%20new%20angle_Accelitas_Blog.jpg)](https://knowledge.accelitas.com/blog/ai-lift-is-giving-credit-risk-a-new-angle) ## Ai Lift is giving credit risk a new angle. AI-powered analytics “bend the curve” to reveal the creditworthy customers you’ve been missing. BlogPost 17264126124 Ai Lift is giving credit risk a new angle. [Read More](https://knowledge.accelitas.com/blog/ai-lift-is-giving-credit-risk-a-new-angle) 0 Comments [Click here to read/write comments](https://knowledge.accelitas.com/blog/ai-lift-is-giving-credit-risk-a-new-angle#comments-listing) Tags: [Machine Learning](https://knowledge.accelitas.com/blog/topic/machine-learning), [lending](https://knowledge.accelitas.com/blog/topic/lending), [AI Lift](https://knowledge.accelitas.com/blog/topic/ai-lift), [Accelitas](https://knowledge.accelitas.com/blog/topic/accelitas), [Artificial Intelligence](https://knowledge.accelitas.com/blog/topic/artificial-intelligence), [linear model](https://knowledge.accelitas.com/blog/topic/linear-model), [interpretable results](https://knowledge.accelitas.com/blog/topic/interpretable-results), [Credit Risk Web Service](https://knowledge.accelitas.com/blog/topic/credit-risk-web-service), [Credit Risk](https://knowledge.accelitas.com/blog/topic/credit-risk), [Adverse Actions](https://knowledge.accelitas.com/blog/topic/adverse-actions), [Explainable AI](https://knowledge.accelitas.com/blog/topic/explainable-ai), [predictive analytics](https://knowledge.accelitas.com/blog/topic/predictive-analytics), [CFPB](https://knowledge.accelitas.com/blog/topic/cfpb), [near prime](https://knowledge.accelitas.com/blog/topic/near-prime) [![new-blog-image-1](https://knowledge.accelitas.com/hubfs/new-blog-image-1.jpg)](https://knowledge.accelitas.com/blog/predictive-analytics-is-a-win-win-for-customers-and-lenders) ## It’s only fair. Predictive analytics is a win/win for both borrowers and lenders. New CFPB study shows AI and machine learning can approve significantly more applications, while yielding lower average APRs; Accelitas AI Lift proves itself twice as predictive as the competition. In a recent data test of 18 competitive credit screening scores, AI Lift from Accelitas delivered twice the predictive lift over the vendor average — at 77% the cost of our nearest competitor. By identifying more good customers, AI Lift’s advanced analytics can deliver a ROI of 30:1, creating a win/win scenario for everyone. BlogPost 12247756602 It’s only fair. Predictive analytics is a win/win for both borrowers and lenders. [Read More](https://knowledge.accelitas.com/blog/predictive-analytics-is-a-win-win-for-customers-and-lenders) 0 Comments [Click here to read/write comments](https://knowledge.accelitas.com/blog/predictive-analytics-is-a-win-win-for-customers-and-lenders#comments-listing) Tags: [Machine Learning](https://knowledge.accelitas.com/blog/topic/machine-learning), [lending](https://knowledge.accelitas.com/blog/topic/lending), [AI Lift](https://knowledge.accelitas.com/blog/topic/ai-lift), [Accelitas](https://knowledge.accelitas.com/blog/topic/accelitas), [Artificial Intelligence](https://knowledge.accelitas.com/blog/topic/artificial-intelligence), [linear model](https://knowledge.accelitas.com/blog/topic/linear-model), [interpretable results](https://knowledge.accelitas.com/blog/topic/interpretable-results), [Credit Risk Web Service](https://knowledge.accelitas.com/blog/topic/credit-risk-web-service), [Credit Risk](https://knowledge.accelitas.com/blog/topic/credit-risk), [Adverse Actions](https://knowledge.accelitas.com/blog/topic/adverse-actions), [Explainable AI](https://knowledge.accelitas.com/blog/topic/explainable-ai), [predictive analytics](https://knowledge.accelitas.com/blog/topic/predictive-analytics), [CFPB](https://knowledge.accelitas.com/blog/topic/cfpb), [near prime](https://knowledge.accelitas.com/blog/topic/near-prime), [FCRA](https://knowledge.accelitas.com/blog/topic/fcra) [All posts](https://knowledge.accelitas.com/blog/all) ## **Ready to reimagine financial access?** Call us at +1 [415-842-7700](tel:4158427700) or email [info@accelitas.com](mailto:info@accelitas.com?) 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