Enova Decisions enables consumer financing companies to automate and optimize the underwriting process, including identity verification, fraud detection, credit risk assessment and offers. Leveraging our expertise in online consumer lending, 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. In addition, we develop machine learning models to predict high lifetime value (LTV) customers earlier in the customer journey to prioritize marketing spend toward the right customers.
Streamline identity, account and document verification.
Identify fraud earlier in the customer journey.
Make more precise credit decisions.
Optimize offers to maximize profitability.
Identify high lifetime value (LTV) customers earlier in the customer journey.