Product

Payment Insights cloud

Consumer-permissioned utility and telco data to help lenders gain a more comprehensive view of consumers' financial picture
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Product Overview

Lenders are faced with a variety of challenges - from assessing risk on underbanked consumers to verifying the identification of credit applicants. But 91% of U.S. consumers have at least one utility or telco account, and more than half are willing to share this data for loan approval consideration.*

Payment Insights offers a consumer-permissioned solution to provide lenders with access to utility and telco data - so you can gain a more comprehensive view of consumers' financial picture and enhance lending decisions.

*Data and Analytics from Urjanet/Arcadia

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Payment Insights

Payment Insights is a consumer-permissioned utility and telco data solution to help lenders gain a more comprehensive view of a consumers financial picture. Through direct access to consumer utility and telecom accounts, Payment Insights captures and delivers bill data from Urjanet's global network of providers.
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      Key Benefits

      • Approve more applicants by increasing the scorable audience with consumer-permissioned utility and telco data from Urjanet
      • Gain insight on existing customers as well as thin and no-hit credit profiles to uncover new revenue opportunities
      • Leverage fully automated technology to reduce the need for manual reviews 
      • Enhance risk decisioning and verify address and occupancy information with data that goes beyond the traditional credit report
      • Access bill data including payment history for electric, natural gas, water, cable, and telecom accounts
      • Improve the consumer experience through faster credit reviews and enhanced service

      Who It's For

      AltFi and Traditional Lenders

      Need additional data to expand the prospect pool, enhance risk assessment, authenticate addresses, and approve more applicants for credit

      Insurance Underwriters and Assessors

      Understand a richer picture of applicants to extend better pricing and offers

      Credit underwriters

      Better understand thin and no-file consumers to more accurately assess their risk

      Commercial lenders

      Need additional data for credit risk expansion and processing of Paycheck Protection Program (PPP)

      Rental services and platforms

      Incorporate additional data to enhance tenant verification

      Key Stats

      90%
      Data available for about 90% of U.S. population
      12mo
      Includes 12 months of payment history in near real-time
      6,500+
      Includes network of 6,500+ electricity, telecom, natural gas, water, and waste accounts
      Product Sheet

      Leverage utility and telco data to inform credit decisioning

      Payment Insights is a consumer-permissioned utility and telco data solution that provides lenders with a more comprehensive view of consumers' financial picture. Learn more about how this alternative data from Urjanet can help you increase approvals and enhance lending decisions.
      View Product Sheet

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