From Fragmented Income Data to Real-Time Lending Insights
How Conductiv Helps Lenders Unlock a Unified, 360-Degree View with Permissioned Data
Lenders today are struggling with fragmented income and credit data. The reality is that while many financial institutions have access to valuable internal data, it's often siloed, outdated, or simply not enough to assess true borrower ability to repay. Traditional credit data only scratches the surface. And as borrowers' financial lives become more fragmented and complex, relying solely on what’s already in the system is no longer enough.
That’s where Conductiv is changing the game.
Lenders are often left piecing together an incomplete picture of borrower ability to repay, since income today can come from multiple sources: hourly wages, gig work, W-2s, and more, making it harder than ever to assess stability and risk. Conductiv changes that by delivering a unified, real-time view of both borrower and portfolio health, seamlessly combining a lender’s own data with clean, consumer-permissioned financial data. This permissioned data, including that drawn directly from consumers’ bank accounts and payroll providers with their explicit consent, offers an unprecedented level of transparency into real-world financial behavior. Think recurring income, cashflow patterns, spending habits, and account balances. This provides lenders with unmatched transparency into a borrower’s ability to repay, and all verified and delivered in real time.
But data alone isn’t the solution. Conductiv turns that data into something actionable. By unifying it with a lender’s internal systems and layering in intelligent analytics, the platform doesn’t just reveal what’s happening. Conductiv helps uncover what to do next. Lenders can also identify ideal borrowers they may have overlooked, tailor credit offerings to reflect real affordability, and spot early indicators of risk long before they would show up on a traditional credit file.
This goes far beyond fraud prevention or compliance (though Conductiv supports both with ease). It’s about unlocking growth from within, activating new lending opportunities within the existing customer base, and expanding portfolio performance through smarter decisions, not just more applications.
In a world where every lender is looking for an edge, be that fewer losses, lower acquisition costs, or more approvals, Conductiv delivers clarity.
But lenders don’t just get clarity. They get better decisions. It provides lenders with the kind of 360-degree visibility they need to act with confidence, backed by compliant, permissioned insights that extend well beyond their own four walls.
Conductiv empowers lenders to see more, know more, and lend more, safely, strategically, and at scale without changing their buy-box.
Interested in learning more?
