Analytics and Decisioning

Solutions

“At the end of the day,
we have a laser focus
on leveraging data,
analytics and technology
to empower businesses
to make better, moreconfident decisions.”
Chris Yasko, Head of the Enterprise Innovation
Lab inside the Equifax data and analytics teamSource: innovation summer.pdf

Find faster, more direct paths to profitability that
benefit your business, and your customers.
Markets, customer behaviors and preferences can turn on a dime, and organizations
that are able to quickly recognize and adapt to changing conditions, opportunities
and risk will win.
Analytics and decisioning solutions from Equifax put this power at your fingertips
by enabling you to quickly visualize paths to profitability and swiftly pivot with fastmoving markets and consumer behaviors. You get everything you need to discoverwhat’s working, what’s not working, what’s trending and what’s likely ahead, and the“why” behind it all.
With advanced analytic capabilities — including the ability to rapidly build, deploy andadjust high-performing models and scores, and experiment with new data streams
and attributes — you become nimble, able to reflexively respond and act in the bestinterest of your business, and your customers, in today’s fast-changing world.

-2-Win-win strategies
Drive better experiences AND increased revenue.
Our analytic and decisioning solutions are purpose-built to help you efficiently solve
challenges throughout the customer journey. By bringing your data and analytics
capabilities together within in a single, robust analytic environment, you caninnovate and act faster, effectively speeding up time-to-market, and time-to-revenue.
Along the way you’ll get the deeper, more precise insights you need to deliver more
personalized customer moments and experiences, and securely offer expanded
services to a wider audience of customers, including those with little to no credit.
It’s win-win approach for intelligently growing and protecting your business, while
helping your customers enrich their lives and move closer to their financial goals.

400+ experts

When you needto outsource youranalytics, our onshore
team of 400+ experts
can help.

ProspectOriginateManage

Optimize and build yourmarketing/target audience

Streamline decisioning andmitigate new account fraud

Nurture loyalty, grow your shareof wallet and keep managing risk

• Optimize credit decisioning• Customer treatment strategies/
loyalty programs• Audience identiﬁcationand targeting• Prescreen and ITA• Reﬁne/optimize pricing(approval/declines) strategies• Cross-sell/upsell• AML/KYC compliance solutions• Oﬀer optimization• Mobile oﬀers• Fraud prevention andID veriﬁcation• Retention strategies• Activation andtreatment strategies• Reduce document and manual
veriﬁcation processes• Preapprovaland prequaliﬁcation• Account monitoringand management• Fraud prevention and ID veriﬁcation• AML/KYC compliance solutions• Improve collection and recoveries• Fraud prevention• Peer benchmarking• Marketing list reﬁnement• Understanding churn/lost sales• Customer oﬀboarding• Market proﬁling to size
product development• Branch/store location optimization-3-

Unprecedented analytic speed
Everything you need in one spot
In lieu of siloed data and disparate processes — which can slow down analytics— our analytics and decisioning solutions streamline and fast track your projects
by putting everything you need in one spot within our dynamic data and analytic
environment, Equifax Ignite®.
Within this collaborative space, internal teams can build and maintain 360-degree
views of your customers and business processes that enable you to experiment
with, identify, and execute optimal strategies across all functional areas of yourbusiness in the shortest possible timeframe. We’re talking weeks, not months.

How it works
Everything happens inside the secure Equifax Ignite analytics ecosystem, which
is founded on our vast data assets, spanning credit and non-credit, wealth andlifestyle, employment and income, exclusive alternative data, and more. Within
this inclusive sphere, you can seamlessly integrate your data with ours, develop
and deploy optimized marketing models via your preferred channels, and use theintegrated feedback loop to monitor response rates, evaluate campaign data, andanalyze market intelligence. Throughout your journey, the marketing analytics
consulting team from Equifax is available to help you problem solve and get where
you want to be, faster.

DATA
Create and maintain the mostcomplete, up-to-date customerprofiles by automatically keying
and linking your data. You
can seamlessly integrate andaugment all your data, including
your existing customer data, plus
new data streams from Equifax
and other third-party providers,within a single, cloud-based
analytic environment.

5X the power
One Equifax Ignite
customer achieved
5 times their original
analytic processing
power, at times
speeding analysis
from several hours
to a few minutes.
Source: PenFed Credit Union® casestudy by Equifax

FEEDBACKLOOPANALYTICS
Build, test, and execute analytic
scores and models using theInterConnect® analytic decisioning
hub from Equifax. You can accessadvanced AI and machine learning
capabilities to support better
predictions, smarter analytics and asimpler, faster, and better connecteduser experience — all in the cloudfor security and convenience. Plus,
it directly integrates with Equifax
Ignite, which enables youanalyze the effectivenessof your analytic strategy.

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Monitor and analyze your scoresand models, and experimentwith new products, offers, andstrategies using the shared
sandbox and feedback loop
available within the Equifax Igniteanalytic platform. Get real-timeaccess to the outcomes of youranalytic strategies so you canquickly adjust or pivot, as
needed, instead of waiting
months to react.

High-performing solutions
Right-sized to fit your businessNo matter where you are in terms of your data, analytics, or technology
sophistication, we can meet you there with a right-sized solution that fit the precise
needs of your business. You can also access exclusive, industry focused data from
Equifax to further refine your customer strategies.

ESSENTIAL

ENHANCED

SOPHISTICATED

Ideal for business users, likeanalysts, managers, andexecutives, who want insights
and answers, fast.

Ideal for analysts and data
scientists, looking to simplify
burdensome chores like data
cleansing and integration.

Ideal for data scientists looking for
more efficient ways to collaborate
and innovate.

A pre-configured solution withpre-built data sets, intuitive
dashboards, and an easy-toperuse catalogue of curated,
standardized apps. Everything
you need — your data, an analytic
production channel, decisioning
platform, and a feedback loop —is available within a single pointand-click interface, explained inlayman’s terms, not “tech speak.”A tailored solution to fit yourneeds by building from scratch
or starting with standard models.
Access pre-configured data andfeatures designed for standard
use cases, and unlock market
intelligence, data exploration, andportfolio insights. All the data andtechnology (either yours or ours)
is integrated to speed up youranalytics-to-production timelines.

A do-it-yourself solution thatallows you to define unique dataand tools to build specialized
insights, models and scores. You
get access to everything, including
all levels of pre-configured andraw data, including current
and historical data, as well as
data prep and visualization
tools, attribute and scoring
development, and more.

World-class solutions
CIO Applications magazine named
Equifax to its annual list of Top 25
Machine Learning Companies.
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Analytic power at your fingertips
Our full suite of analytic and decisioning solutions
Our powerful analytic solutions are ideal for all businesses of all sizes because
everything is built on cloud-based technology for added security, flexibility, andspeed-to-market. They’re also data agnostic and platform agnostic, so you can use
your data of choice and your existing delivery channels/platforms. There’s no needto start over or “rip and replace.”

Market-leading data from Equifax
Visualize and better understand your customers from every angle by using our vast,
multisource data to update, enrich, and connect your existing customer profiles.
• Unique wealth, economic, and employment insights that support a clearer
understanding of customer lifestyles, needs and channel preferences, andareas of opportunity• Alternative data that reveals how consumers handle their “everyday obligations”
for cable, utilities and cell phones, as well as alternative financial (alt-fi)
payment arrangements• Unmatched consumer credit data containing more than 220 million U.S. consumer
credit files• Best in class attributes — all built and managed in the cloud — that help boost
performance and enhance predictability with more than 7,000 attributes acrossmore than 60 industries

InterConnect Decision Hub from Equifax
Keep pace with evolving market conditions and consumer preferences by using
InterConnect Decision Hub to access differentiated and alternative data, attributes,scores, and analytics within a centralized decision intelligence platform that can bealigned with your specific objectives — across risk management, account opening
and lending, compliance, and more.
• Built-in data sources and business flows with pre-integrated consumer/commercial data sources and orchestrations for the most common acquisitionuse cases• Built-in keying and linking supports a single view of customers acrossdisconnected data sources• Customer acquisition interface offers the ability to submit, search and underwritemulti-applicant applications• Decision reports provide a clearer understanding of the acquisition process.
• Advanced modeling engine and NeuroDecision® technology supports thedevelopment of more precise credit decisioning strategies and risk models thatincorporate regulatory-required reason code generation• Standard and pre-built reports for deeper visibility into decisions• Collaborative, role-based access that enables the sharing of decisions intelligenceacross organizational silos to support better decisions at scale-6-

Equifax Ignite
Take complete control of your analytics and modeling with everything you needto build and update high-performing models and scores located in one location.
Equifax Ignite connects multiple decisioning platforms and technologies to deploy
analytics using the latest tools and advancements — from explainable AI to rules
decisioning — with versatile, end-to-end decision management options that help
you get to market quicker.

20% MORE

customer approvals• Rapid access to powerful multisource data for more predictive insights• Automated model deployment to accelerate analytics-to-production timelines• Feedback loop enables the continuous monitoring and refinement ofanalytics strategies• Explainable and adaptive AI techniques drive model optimization• Keying and linking technology connects disparate data acrossmultiple environments• Flexible, modular applications support existing technology platforms

If you’re ready to explore how our analytic and decisioning solutions can help
you create a more profitable customer journey that benefits your business andyour customers, get in touch TODAY.

Using analytic technology
and alternative datafrom Equifax, a leading
financial institution canexpect to increase its
card application approvalrate by 20 percent.
Source: Equifax Card Acquisition
Best Practiceequifax.com/ignite

Copyright © 2023, Equifax Inc., Atlanta, Georgia. All rights reserved. Equifax, Ignite, InterConnect, and NeuroDecision are registeredtrademarks of Equifax Inc. All other registered marks, service marks, and trademarks listed are the property of their respective
owners. 23-13475220