Predict New Account Risk
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Confidently Expand Your Customer Base

Approve more new accounts while protecting against fraud losses—with deep predictive intelligence. 

HOW IT WORKS
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Step 1: A consumer completes and submits your institution’s digital new account application. 

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Step 2: Using data contributed by thousands of financial institutions, Early Warning runs proprietary algorithms to:

  • Determine applicant’s risk of default due to first-party fraud or account mismanagement 
  • Compile a summary of attributes that offer a clear view into applicant’s deposit account history and behavior 
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Step 3: Early Warning provides you with predictive intelligence that moves beyond binary (yes/no) input, including:

  • First-party fraud scores 
  • Account default scores
  • Summarized attributes 
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Step 4: You use the scores and attributes as part of your account opening strategy to make more knowledgeable approval decisions.

  • Open more accounts, tailoring applicant’s account privileges to align with your risk threshold 
  • Protect against new account losses by understanding the likelihood of first-party fraud or default in the first nine months 
  • Balance risk, efficiency and compliance, using scores and attributes in a manner that supports your account opening strategy 
  • Improve financial inclusion by confidently opening your doors to a wider population of consumers 

Let’s talk about how you can expand your customer base with confidence. 

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In the United States today, tens of millions of people face barriers to participation in the financial system - either hard barriers (inability to get an account) or soft barriers (higher fees). Disproportionately, this pervasive issue impacts the historically underserved populations. What are financial institutions and credit agencies doing to increase financial inclusion?
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