EDGE

EDGE is the leading predictive intelligence platform that leverages alternative data for consumer risk scoring and predictive behavioral mapping.

Our risk analytics are built on the industry’s only data lake combining consumer-permissioned bank transaction data with loan performance at scale. The resulting risk scores and modeling features/attributes are uniquely predictive and curated for immediate actionability in underwriting decisions.

With our proprietary analytics, lenders and other risk industries can increase conversions of consumers overlooked with traditional risk assessment techniques while at the same time detecting and decisioning on risk signals only available through EDGE.

EDGE provides advanced financial analytics to help lenders assess creditworthiness for consumers underserved by traditional credit scoring methods. Nearly half of the U.S. population lacks access to fair credit evaluations due to reliance on outdated metrics like past payments and credit balances. EDGE addresses this gap by analyzing real-time cash flow behaviors, including checking and savings account activity, income timing, and spending patterns. These insights offer a more accurate, current view of a consumer’s ability and willingness to repay loans, particularly for those with subprime FICO® or Vantage® scores.

The platform integrates seamlessly with lenders’ systems, offering secure, tokenized credentialing and smart routing for faster connections and better data quality. It also provides fraud detection, identity verification, and decision-ready attributes that complement traditional credit reports. With a data lake built on millions of lending decisions, EDGE empowers lenders to extend credit confidently while safeguarding consumer privacy as a Consumer Reporting Agency.