Unlock deeper customer understanding
In today's competitive lending environment, making fast, accurate decisions is critical. Experian Decision Metrics empowers your business with enriched transaction data, enabling smarter, faster decisions across credit risk, serviceability, and liquidity assessments.
By leveraging categorised bank transaction data and intelligent pattern analysis, our solution delivers tailored insights into customer behaviour, helping you assess risk and opportunity with precision.
Advanced transaction categorisation
Transform raw bank transaction data into meaningful insights using pattern recognition, enabling more precise behavioural profiling and risk assessment.
Customisable decision metrics
We can create tailored metrics based on your requirements. Some examples of what can be done with the data include identifying potentially risky transactions, derive frequency and count of events, perform calculations, combine multiple categories into one metric, text values and date related metrics.
Seamless integration and delivery
Access enriched data in multiple formats (PDF, HTML, JSON, XML) and integrate effortlessly via secure APIs into your existing systems.
Real-time insights
Make faster, smarter decisions with real-time indicators of customer liquidity, serviceability and financial stress.
Accelerate lending decisions
Access categorised transaction data and intelligent decision metrics to streamline your credit decisioning process.
Tailored insights
Our analytics engine transforms raw transaction data into meaningful metrics, customised to your business needs.
Enhanced risk assessments
Identify income patterns, spending behaviours and potentially risky transactions with ease.
Flexible formats
Available in multiple formats including PDF, HTML, JSON and XML, and ready to integrate into your workflows.
Bank Statements
The secure and easy way to retrieve your customers' bank statements instantly.
Open Banking
Access secure, consent-driven data for faster and more transparent lending.
Bank Feeds
Real-time transaction data feeds for ongoing financial monitoring.
Statement OCR
Extract and digitise data from uploaded bank statements with high precision.
Broker Flow for Lenders
Allows lenders to access customers' statements directly to accelerate application processing and improve conversion.
Broker Flow for Brokers
Allows brokers to access customers' statements directly to simplify the application journey and boost client conversion.
Transaction Risk Score
Delivers a dynamic, data-rich view of customer risk by analysing real-time bank transaction data to enhance the credit decisioning process.
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