Risk & underwriting
Real-time data for better risk decisioning.
Gain early visibility into merchant performance. Accurate intelligence about the identity and financial health of 22 million+ merchants helps you dynamically manage risk.
- 22M+
- merchants with identity and financial health
- 40%
- of U.S. card volume in the panel
Risk & underwriting
Reduce losses, reward your best customers, and accelerate onboarding.
01
Streamline pre-approvals
Generate pre-qualified financial offers and use card revenue and transactions intelligence at the top of your lending funnel.
02
Set credit limits with confidence
Establish higher initial credit limits and loan amounts, then monitor continuously for changes in risk profile.
03
Predict default likelihood
Customers have found definitive splitting power in predicting delinquencies. Backtest credit portfolios against Enigma's risk features.
04
Prevent chargebacks
Card transaction trends like refunds activity identify risky merchants before the losses land.
What you get
Card revenues and transactions
Card refunds
Identity and firmographics
Fraud and signs of life
Geography and industry benchmarks
Portfolio monitoring
$100K
avoided per bad customer
Preflect used Enigma to minimise risk and losses of up to $100,000 per bad customer.
Read the Preflect case study →Also worth reading
Measured