Urjanet debuts intelligent data platform to unlock new business for fintech companies
Global access to data from thousands of utilities, telecom, and cable providers now available through a single platform to support credit risk decisioning and identity verification.
The value of utility data is undeniable
"97% of credit files linked to utility payments showed an increase in credit score or a neutral impact."
The Impact of Positive Energy-Utility Reporting on Consumers, Experian
“While stricter identity verification procedures have been absolutely necessary, they have also left qualified applicants behind in the fray. Urjanet’s platform presents a promising solution to securely and reliably shed light on verified applicants and help fintechs and lenders grow their business.”
Travis Jarae, CEO and Founder One World Identity
“What we’ve seen is that when [alternative] data becomes visible to a lender, suddenly a much more comprehensive consumer profile is formed. In some instances, this helps them offer consumers new credit opportunities, and in other cases it might illuminate risk.”
Paul DeSaulniers, Senior Director of Risk Scoring, Trended Data and Collections Experian
“Organizations want access to more data points (just 13% say they have all the data they need) and see data linkages (the relationships between data elements) as a way to improve their identity verification processes.”
The State of Identity Verification Maturity in North America, Whitepages Pro
“Alternative credit data alone does not provide a comprehensive view of subprime consumers or tell their whole story, but when combined with traditional, particularly trended data, it can yield powerful results.”
Liz Pagel, Vice President of Consumer Lending Market Strategy TransUnion
Enhance your credit risk decisioning
Shed light on credit invisibles
Assess risk of thin and no file applicants using direct-from-source data across 7 tradelines. Gain deeper visibility into their payment behavior and make more informed lending decisions.
Uncover new revenue
Qualified applicants are hidden in your decline traffic. With accurate, reliable utility data for credit risk decisioning, you can turn decline traffic losses into revenue wins.
Gain a competitive edge
Be among the first to leverage innovative data sources. Utility and telecom data provide a new channel to advance your risk models in a constantly evolving industry.
Securely verify identity and address
Save time and resources
Using a lengthy manual review process for every declined applicant is a waste of valuable resources. Automate the process with Urjanet.
Meet KYC & AML compliance
Get access to third party-verified data pulled directly from a proven source. Confidently comply with KYC/KYB and AML mandates with authoritative data.
Put the user in the driver's seat
With user-permissioned utility data, end users can self-verify their identities on their own time, leaving them in control of their own data.
Unlock the power of alternative data
Credit Risk Decisioning
Access user-permissioned utility and telecom data for deeper insights into consumer and business payment histories.
Identity & Address Verification
Access user-permissioned utility, telecom, and cable bill data for accurate verification of consumer and business identities.
Ready to learn more? Let's talk.
Do you have questions about how you can use the Urjanet Utility Data Platform to solve your business goals? Fill out the form below and we'll be in touch shortly.
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