Clients using the credit panel will now see a broader set of credit report and tradeline data from the credit bureaus in the US, enabling them to conduct holistic and robust credit reviews. Previously, the credit panel only surfaced data from Experian.

The following data sources will now be surfaced in the credit panel:

Equifax

• Consumer credit data
• Business credit data
• Tradelines for Equifax consumer and business credit

Experian

• Tradelines for consumer credit (Experian consumer credit and Experian Netconnect)

Transunion

• Consumer credit
• Tradelines for consumer credit

View and Create Published Attributes Values in the Entity view

Clients using Published Attributes can now view and edit (which includes creating new values) Published Attributes values, allowing for more holistic and flexible decisioning. ‘Published Attributes are custom entity-level attributes that you can define and use in your decisioning throughout the customer lifecycle.

Published attributes can be viewed and edited directly in the Entity view or Entity Side Panel. You can view the most recent 5 values. Please note: in order to create a new Published Attributes value, users must be appropriately permissioned (Settings > Roles > Published Attributes)/

Clients can now share Entity Feedback Data with Alloy by marking entities as fraudulent directly in the Alloy dashboard. 

Entity Feedback Data for a customer account is your determination of whether an entity is fraudulent or not. Beyond the initial approve/deny decision, entity feedback data looks at behavior over time and shows both accounts that have been determined to be fraudulent, as well as accounts that have been approved, opened and are in good standing. Sharing Entity Feedback Data unlocks access to Alloy’s ML models, which are critical to a holistic identity-centric strategy. 

To get started, select ‘Send Entity Feedback’ from the vertical ellipses menu on the Entity page and a modal will appear where you can provide more details. Please note: this option will only appear to agents who have the permissions to submit Entity Feedback Data (to update permissions, navigate to Settings > Roles > Entity Feedback Data).

As a reminder, you can alternatively also submit Entity Feedback data through our dedicated API or upload a CSV file using our template via the Settings page in the Alloy dashboard.

A new banner will be displayed at the top of the Evaluation page in the case of a Partial error, to enable clients to better identify, understand and remediate errors. For Journeys clients, if this Evaluation is part of a Journey, it will be visible also from the Application view when the user clicks into the Evaluation.

This banner surfaces information that has been added to the raw response to help identify the blocking and blocked objects in there. The banner also includes a suggestion on how to resolve the partial, based on the exact cause.

The display and navigation of the Workflow Analytics dashboard has been updated to allow clients to more easily derive insights from their policy performance over time. Previously, Workflow Analytics lived on the Evaluations page; it can now be found as a new tab next to Journeys and/or Case Management on the Analytics Dashboard for Journeys clients. Workflow-only clients will see the Analytics Dashboard as their new homepage upon login.

Clients are now able to create Custom Lists directly from within Settings. This allows clients to go beyond just two list types - Allow Lists and Deny Lists - and have a more flexible use of lists during decisioning. (For example, a client may want to check against entities that are in restricted industries, or have lists that represent different levels of risks for more granular decisioning.)

We consolidated the Settings page to host all lists in one place. Each client can have one Allow List, one Deny List, and as many Custom Lists as they would like to use in their decisioning.

Clients can edit list details, such as name and description, by clicking the “edit” icon at the right side of the row.

Clients using Iovation, Threatmetrix or passing device attributes through the events API will now see details on each device associated with an entity in the Devices tab on the Entity page. Viewing all device data in a single place enables more informed and holistic decisioning on risk.

Clients on Journeys will see updates to the Journey Versions List, making it easier to navigate and understand the statuses of different versions. In the Journeys section of the Alloy Dashboard, click into an individual Journey to view the list of versions created for that specific Journey.

1. Activate a previous Journey Version by selecting “Set Active” in the options menu. When activated, the Journey Version number will remain the same. (Reactivating a previous Journey version will no longer create a new Journey version.)

2. An "Inactive" badge will now appear next to inactive previous Journey Versions under Status. Other Statuses include “Active” and “Draft”.

3. “Run Test” is now available within the options menu for Journey Versions labeled as “Active” or “Inactive”, in addition to “Draft”.

Screenshot 1

4. When a specific version is opened to display more details, it will now show date and time stamps for when the version has been set active and by whom.

5. All services used in a Journey Version are now visible within the version details.

6. The default filter on the Journey Versions page is set to show all versions: Active, Draft, and Inactive versions.

The Alloy SDK now supports a hosted link option which enables clients to effortlessly deploy step-ups and verify their customers using a generated link without spending engineering effort to build a dedicated webpage to host the SDK.

For clients who have this option enabled, a short link and QR will automatically be generated per entity when a Journey enters a step-up node. This link can be retrieved by an agent through the Journey Application in the dashboard and sent via SMS or email to the entity. Note: Alloy does not support sending the link via SMS or email on behalf of the customer.

Once the entity clicks on the link, the SDK and configured plug-in will render for the entity to complete their step-up verification. The QR code provides an additional option for in-branch purposes, allowing agents to have customers scan the code directly to complete their application.

To get started, navigate to Journey Application and click on the three dot menu in the entity panel for the entity you’d like to generate a link for. Ensure that the Journey has step-up nodes configured using the Alloy SDK. Click on the “View Hosted SDK Link” option which will open up a modal. 

A unique link and QR code will be generated and tied to the particular entity and Journey Application in question. The agent can copy and send the link to the customer or have the customer scan the QR code. This link will expire after 48 hours but the agent will be able to regenerate the link.