smartdecisions
Jaywing developed Smartdecisions, our Multi-bureau platform, in order to exploit the differences that exist within the different credit reference agency records, and deliver improved application decisions in a cost-effective way.
Smartdecisions is a hosted, monitored service, which retains the integrity of each individual bureau record, and applies multi-bureau scorecards built to harness the similarities and differences between them. Jaywing’s approach is to create multi-dimensional variables from two or even three sets of bureau records, delivering the most powerful, predictive models possible. We are completely independent of any bureau or software provider, and we offer totally impartial advice.
Smartdecisions requires very little IT integration, and works in harmony with your existing decision software. It provides you with a choice of outputs, from raw credit reference data right through to multi-bureau credit scores and improved decision outcomes.
Smartdecisions has been deployed with several UK lenders and credit providers, and has improved millions of risk decisions. For more information about smartdecisions, to talk about our multi-bureau consultancy or a discussion about how a multi-bureau approach could help your business, please contact smartdecisions@weare2020.com