Alloy, a platform for banks and FinTechs to embed identity and fraud compliance, has expanded its identity decisioning platform to include credit underwriting with the intention of building comprehensive views of customers in line with their onboarding and transaction monitoring products.
Through this launch, Alloy’s application programming interface (API) allows financial institutions to collate customer information, credit bureau data, and alternative underwriting data (such as cash flow data) through a single point of integration to make better credit decisions.
This also enables Alloy’s clients to transform their credit policies into configurable, flexible workflows, to effectively visualize and review an entire credit origination application for each customer.
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