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

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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.
Provide the Best in Tech

Improve the customer experience
Through our ColossusTM platform, 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.

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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
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Reduce Fraud

Protect your business from losses due to fraud.

Smart VerificationTM
Reduce fraud with real-time, automated identity, account and document verification.

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

Optimize Operations
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Increase Profits

Improve the speed and agility of business execution

Smart VerificationTM
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 CollectionsTM
Improve operations and recovery with collections optimization.

Smart ACHTM
Improve debiting practices to optimize overall clearance rates.

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

Profitable Marketing
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Improve Customer Acquisition

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

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

Enova Decisions Smart OffersTM
Convert more customers with optimized offers and targeted product recommendations.

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