Data Integration & Orchestration
Connect internal, credit bureau, alternative, and custom data through one integration layer.
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.
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)
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