Start making smarter credit decisions through the combined power of the Alloy platform. Use more of what you know about your customer from the onboarding process to enable faster and more precise credit decisions.
Alloy is best-in-class at KYC and fraud detection with 120+ data sources to verify identities and prevent fraud. Now add on powerful credit decisioning and you’ve improved your credit application process exponentially - both for your operations and for your customers’ experience.
Integrations with the credit bureaus are a given - and these are built and ready for you. In addition, we support alternative underwriting data like cash flow attributes that allow you to expand your funnel and convert more customers.
With Alloy, you can configure easy-to-use workflows based on your credit policies. Decisions can be made using your imported custom models or you can build anything from basic workflows to complex matrix models right within Alloy.
Link multiple workflows based on their outcomes and set up application states. This means no friction between onboarding a client and making a credit decision.
Visualize and review an entire credit application for each customer. Whether the applicant is new to your business or an existing client applying for a new product, you can easily see their status and context around decisions.
A/B test your workflows to strike the right balance between preventing risk without eliminating valuable customers. Our What-If analysis feature also allows you to backtest and see the impact of workflow changes before you commit to them.
Phil Brosgol, Director of Product Management at Coast
Get going quickly
Alloy gets you up and running quickly with dedicated solutions architects who help you translate your policy into easy-to-use workflows.
Easily meet compliance needs
All actions and decisions are tracked to keep you compliant.
Versioning keeps you in control
Only roles with the right permissions can make changes to your workflows, and all your workflow changes are tracked and can be reviewed or restored.
A clear view of each of your products
If you have multiple products, create distinct applications for each one.