Real-Time Solutions for Real Results

Instant insights can be game changers. Enova Decisions helps make real-time decisions on prospects or customers, driving real results for your company. Whether you want to protect against fraud, optimize operations or increase marketing profitability, we can provide you with instant decisions. Boost business efficiency and maximize ROI beyond expectations. Learn More

Get better answers in less time

We leverage our large team, years of proven experience and history of data analytics to generate meaningful answers and improved decision-making in weeks, not months.

Improve the customer experience
We provide automated, sub-second responses for a more streamlined and consistent customer experience. This means you’ll lose fewer customers along the way and increase your conversion rates over time.

Reduce total cost of ownership
Our real-time insights are priced on a volume or transactional basis. That helps you save on hardware or software licensing fees, maintenance, and human capital while realizing an immediate return on your investment.

Fraud Protection

Reduce Fraud

Protect your business from losses due to fraud.

Smart Verification^TM
Reduce fraud with real-time, automated identity, account and document verification.

Enova Decisions Smart Alerts^TM
Flag potentially fraudulent applicants with advanced fraud alerts using customized velocity scores and link analysis.

Optimize Operations

Increase Profits

Improve the speed and agility of business execution

Smart Verification^TM
Avoid operational backlogs and delays with real-time, automated identity, account and document verification. Streamline the customer experience by removing manual steps that require additional actions from customers.

Smart Collections^TM
Improve operations and recovery with collections optimization.

Smart ACH^TM
Improve debiting practices to optimize overall clearance rates.

Enova Decisions Smart Credit^TM
Improve credit decisions and acquire more of the right customers with customized risk and credit analysis.

Profitable Marketing

Improve Customer Acquisition

Maximize marketing ROI and increase conversions with the ability to scale for rapid changes in demand.

Enova Decisions Smart Credit^TM
Improve your credit decisions and acquire more of the right customers with customized risk and credit analysis.

Enova Decisions Smart Offers^TM
Convert more customers with optimized offers and targeted product recommendations.

Smart Retention^TM
Predict customer profitability, lifetime value (LTV) and likelihood of customer retention in order to grow and retain the right customers.