Enova Decisions enables banks to automate and optimize customer onboarding decisions, such as Know Your Customer (KYC), so that branch employees can focus on customer service. Leveraging our expertise in online nonprime underwriting, we augment first-party data with best-in-class fraud and alternative credit data to develop machine learning models to more accurately predict fraud and credit risk and create personalized offers that are compelling to customers yet mitigate risk.
Streamline identity, account and document verification.
Identify fraud earlier in the customer journey.
Make more precise credit decisions.
Optimize offers to maximize profitability.