--- title: Accelitas Insights Blog | Real-time Data description: Real-time Data | 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/BAV_more-coverage_custom-tailored.png)](https://knowledge.accelitas.com/blog/bav-solution-meeting-todays-demands) ## Is your BAV solution meeting today’s demands? It may be time to ask your vendor some hard questions. In a world of changing rules and economic uncertainty, the need for robust, pre-transaction account validation and risk modeling is more important than ever. BlogPost 86091167322 Is your BAV solution meeting today’s demands? It may be time to ask your vendor some hard questions. [Read More](https://knowledge.accelitas.com/blog/bav-solution-meeting-todays-demands) 0 Comments [Click here to read/write comments](https://knowledge.accelitas.com/blog/bav-solution-meeting-todays-demands#comments-listing) Tags: [Alternative Lending](https://knowledge.accelitas.com/blog/topic/alternative-lending), [Real-time Data](https://knowledge.accelitas.com/blog/topic/real-time-data), [Bank Account Verification](https://knowledge.accelitas.com/blog/topic/bank-account-verification), [Fraud Screening](https://knowledge.accelitas.com/blog/topic/fraud-screening), [traditional lending](https://knowledge.accelitas.com/blog/topic/traditional-lending), [bank account validation](https://knowledge.accelitas.com/blog/topic/bank-account-validation) [![](https://knowledge.accelitas.com/hubfs/thumbnail_navigating-post-pandemic-lending_event.png)](https://knowledge.accelitas.com/blog/lending-has-shifted-and-alternative-data-is-leading) ## In the post-pandemic world, lending has shifted — and alternative data is leading the way In the post pandemic world, changes in account validation regulations are accelerating. Accelitas CEO joins Lend360 panel to discuss potential and coming changes. Learn more. BlogPost 61079927384 In the post-pandemic world, lending has shifted — and alternative data is leading the way [Read More](https://knowledge.accelitas.com/blog/lending-has-shifted-and-alternative-data-is-leading) 0 Comments [Click here to read/write comments](https://knowledge.accelitas.com/blog/lending-has-shifted-and-alternative-data-is-leading#comments-listing) Tags: [credit risk management](https://knowledge.accelitas.com/blog/topic/credit-risk-management), [Credit Risk Web Service](https://knowledge.accelitas.com/blog/topic/credit-risk-web-service), [Credit Scores](https://knowledge.accelitas.com/blog/topic/credit-scores), [Alternative Lending](https://knowledge.accelitas.com/blog/topic/alternative-lending), [Credit Reporting](https://knowledge.accelitas.com/blog/topic/credit-reporting), [Real-time Data](https://knowledge.accelitas.com/blog/topic/real-time-data), [Predict Credit](https://knowledge.accelitas.com/blog/topic/predict-credit), [Bank Account Verification](https://knowledge.accelitas.com/blog/topic/bank-account-verification), [Fraud Screening](https://knowledge.accelitas.com/blog/topic/fraud-screening), [traditional lending](https://knowledge.accelitas.com/blog/topic/traditional-lending), [bank account validation](https://knowledge.accelitas.com/blog/topic/bank-account-validation) [![](https://knowledge.accelitas.com/hubfs/thumbnail_the-future-of-reeal-time-decisioning_event.png)](https://knowledge.accelitas.com/blog/real-time-bank-account-verification-is-raising-the-stakes) ## Real-time bank account verification is raising the stakes for consumers and lenders. So what happens next? The Lend360 Summit in Dallas, TX highlights the future of real-time decisioning and bank account validation. Check out the highlights from the event. BlogPost 61076053810 Real-time bank account verification is raising the stakes for consumers and lenders. So what happens next? [Read More](https://knowledge.accelitas.com/blog/real-time-bank-account-verification-is-raising-the-stakes) 0 Comments [Click here to read/write comments](https://knowledge.accelitas.com/blog/real-time-bank-account-verification-is-raising-the-stakes#comments-listing) Tags: [Alternative Lending](https://knowledge.accelitas.com/blog/topic/alternative-lending), [Real-time Data](https://knowledge.accelitas.com/blog/topic/real-time-data), [Bank Account Verification](https://knowledge.accelitas.com/blog/topic/bank-account-verification), [Fraud Screening](https://knowledge.accelitas.com/blog/topic/fraud-screening), [traditional lending](https://knowledge.accelitas.com/blog/topic/traditional-lending), [bank account validation](https://knowledge.accelitas.com/blog/topic/bank-account-validation) [![](https://knowledge.accelitas.com/hubfs/bank%20account%20validation%20email%20nurture-04.png)](https://knowledge.accelitas.com/blog/bav-2-what-happens-when-bank-account-validation-goes-above-and-beyond) ## What happens when Bank Account validation goes above and beyond? The Nacha Web Debit Rule is becoming mandatory and enforceable in March 2022. Accelitas keeps you compliant without sacrificing a frictionless account validation experience. BlogPost 52297416843 What happens when Bank Account validation goes above and beyond? [Read More](https://knowledge.accelitas.com/blog/bav-2-what-happens-when-bank-account-validation-goes-above-and-beyond) 0 Comments [Click here to read/write comments](https://knowledge.accelitas.com/blog/bav-2-what-happens-when-bank-account-validation-goes-above-and-beyond#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), [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), [credit screening](https://knowledge.accelitas.com/blog/topic/credit-screening), [predictive analytics](https://knowledge.accelitas.com/blog/topic/predictive-analytics), [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) [![](https://knowledge.accelitas.com/hubfs/bank%20account%20validation%20email%20nurture-01.png)](https://knowledge.accelitas.com/blog/bav-1-sometimes-it-really-pays-to-follow-the-rules) ## Sometimes it really pays to follow the rules. The Nacha Web Debit Rule is becoming mandatory and enforceable in March 2022. Accelitas keeps you compliant without sacrificing a frictionless account validation experience. BlogPost 52301447831 Sometimes it really pays to follow the rules. [Read More](https://knowledge.accelitas.com/blog/bav-1-sometimes-it-really-pays-to-follow-the-rules) 0 Comments [Click here to read/write comments](https://knowledge.accelitas.com/blog/bav-1-sometimes-it-really-pays-to-follow-the-rules#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), [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), [credit screening](https://knowledge.accelitas.com/blog/topic/credit-screening), [predictive analytics](https://knowledge.accelitas.com/blog/topic/predictive-analytics), [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) [![](https://knowledge.accelitas.com/hubfs/bank%20account%20validation%20email%20nurture-02.png)](https://knowledge.accelitas.com/blog/putting-bank-validation-services-to-the-test) ## Putting bank validation services to the test? You may be in for a surprise. If your business relies on rapid online transactions, then you must rely on bank account validations as well. You might be surprised to learn that major account validation services miss up to 30% of accounts. Learn more. BlogPost 52301447997 Putting bank validation services to the test? You may be in for a surprise. [Read More](https://knowledge.accelitas.com/blog/putting-bank-validation-services-to-the-test) 0 Comments [Click here to read/write comments](https://knowledge.accelitas.com/blog/putting-bank-validation-services-to-the-test#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), [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), [credit screening](https://knowledge.accelitas.com/blog/topic/credit-screening), [predictive analytics](https://knowledge.accelitas.com/blog/topic/predictive-analytics), [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) [![](https://knowledge.accelitas.com/hubfs/image-2.png)](https://knowledge.accelitas.com/blog/microclimate-credit-scores-timely-alternative) ## Microclimate™ credit scores deliver a timely alternative to traditional credit scoring Accelitas created the Microclimate™ Credit Score – alternative data that allows lenders to find previously rejected but creditworthy applicants. Learn more! BlogPost 34182693124 Microclimate Credit Scores | Alternative Lending | Ai Lift | Accelitas [Read More](https://knowledge.accelitas.com/blog/microclimate-credit-scores-timely-alternative) 0 Comments [Click here to read/write comments](https://knowledge.accelitas.com/blog/microclimate-credit-scores-timely-alternative#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), [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), [credit screening](https://knowledge.accelitas.com/blog/topic/credit-screening), [predictive analytics](https://knowledge.accelitas.com/blog/topic/predictive-analytics), [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), [Microclimate Score](https://knowledge.accelitas.com/blog/topic/microclimate-score) [![](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) [All posts](https://knowledge.accelitas.com/blog/all) [Next](https://knowledge.accelitas.com/blog/topic/real-time-data/page/2) ## 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