Data Integration & Orchestration

Connect internal, credit bureau, alternative, and custom data through one integration layer.

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Optional services such as AI / Machine Learning, fraud prevention, and ID&V can be incorporated as part of a future release.

IDM begins with data. The platform connects to internal systems, Creditinfo bureau data, and external and alternative data sources through a single, API-based integration layer — bringing everything needed for a decision into one place.

Both traditional data (credit bureau, application data) and non-traditional data (telco, mobile wallet) are supported — a particular strength in markets with thin-file customers and a key enabler of financial inclusion.

This unified data foundation removes the integration burden from IT teams and ensures every decision is made on the most complete, up-to-date view of the applicant available.

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Key Features

  • API-based integration with internal and external systems
  • Automated ingestion of Creditinfo credit reports and scores
  • Traditional data: credit bureau and application data
  • Non-traditional data: telco and mobile wallet sources
  • Affordability and income data integration
  • Custom application data fields and inputs
  • Reusable data connections across decision strategies
  • Optional AI/ML, fraud, and ID&V (future release)

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Use Cases

  • Consolidate multiple data sources into one decision
  • Add new data providers without re-engineering workflows
  • Enrich thin-file applicants with alternative data
  • Standardise data access across products and channels
  • Reduce IT dependency for data integration
  • Support financial inclusion through broader data use

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Ready to discuss this product?

Tell us what you are trying to solve and we will connect you with the right Creditinfo product or regional team.

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What happens next

A focused product conversation covering:

Use case: your customer journey or risk process.
Market context: country, segment, and regulatory requirements.
Requirements: data, workflow, and integration needs.
Routing: the product or regional team best placed to respond.