Information
Credit Bureau Information
Business Information
Identification and Anti-Fraud services
Analytics
Expert and Statistical Approaches to support needs in risk management, marketing and decisioning - Behavioral Scorecards, Predictive Analytics, Advanced Analytics and Risk Consulting
Solutions
Software platforms to support Business Rules and Decision Management, Loan Origination, Collections Management, Deduplication and External Data Connections
Information
Business Information
CRIF's Business Information Report is a new way of thinking about data and information and how they are linked to each other. The report helps you determine a company's profitability, financial stability, and payment performance. The BIR provides an in-depth profile of a company, including financial statements, history of business, ownership details, operational information, and details on related firms and special events that occurred in the past involving company management. It's an industry standard for assessing both new and existing credit connections, especially medium-to-high risk accounts. Additionally, it supports your company's other efforts, like marketing and purchasing.
Discover moreCredit Bureau Information
As India’s leading credit bureau, CRIF provides a 360-degree view of Consumers (Individuals), Commercial (Non-Individuals) and Microfinance segment of applicants in Credit Information Reports. These reports which are fueled by comprehensive bureau database, accompany a Credit Score, a statistical score in the RBI prescribed range of 300-900, which empowers lending decisions. Our monitoring apparatuses not only reviews the existing portfolio performance but also helps to distinguish pools of customers for explicit activities such as up-selling, collections etc. Our Market Insight Reports are exceptionally compelling in recognizing market trends and competition in lending and across geographies.
[Credit Bureau Information services are provided by CRIF Highmark Credit Information services Pvt Ltd] Know moreIdentification and Anti-Fraud services
Banking is based on trust. The elements of trust constitute good service, the right solutions and the fact that the bank knows its customers. CRIF's IDENCHECK solution is a leading provider of reliable, robust and instant KYC and identity verification services. It allows you to verify the identity of individuals in real-time, providing a fast and secure environment for you and your customers. Sherlock Lending is empowered with advanced features to detect and investigate application and identity fraud like never before. Intelligent search algorithms coupled with multiple data sources enables Sherlock to deliver a better fraud-detection experience.
Analytics
Credit Risk Management-Predictive Analytics & Scorecards
Predictive Analytics is the practice of extracting information from existing data sets in order to decide patterns and predict future outcomes and trends. CRIF has decades of experience in helping organizations for Credit Risk Management and building predictive scorecards (Application, Collections or Behavioral scorecard), including bureau scoring models, where historical data are used to determine how inputs should be scored and new data subsequently rated dependent on the patterns that have been found. CRIF's expertise, proven methodologies, and comprehensive data are used to make hundreds of millions of calculations and decision every year around the world.
Discover moreCOSMO - Psychometric Analytics
A credit risk assessment model that evaluates personality using its multi-layered decision framework, called COSMO, that utilizes Metadata Score, Application Score, Psychometric Score to assist the Loan Origination Decision System. The tool, in the form of a Quiz and gamified with images and animations, gives the individual an instant personality assessment and the institution the decision for approval or decline. Inadvertently, the assessment can be also be used for further customer management purposes and engagements.
Discover moreSolutions
Business Rules and Decision Management
StrategyOne is designed to increase the precision, speed, and agility of decision-management processes,so organizations can respond rapidly and cost-effectively to market changes. Our business rule engine enables you to gain the flexibility and insights needed to identify the right targets, increase customer loyalty, boost sales and margins, manage risk, and implement policies. It spans the customer lifecycle, covering all aspects of decision management with graphical, user-friendly decision-making technology.
Discover moreCredit Process Management
CreditFlow is a modern and innovative business process management (BPM) platform designed specifically for credit processes like customer onboarding and loan origination. CreditFlow adopts an integrated approach which allows products, processes, systems, data and the applications to evolve quickly. Whether it's providing a loan, setting up an insurance policy, or executing an investment instruction, it ensures rapid implementation of new processes to meet speed-to-market, service quality, and compliance requirements.
Discover moreCollections Management
The Collection processes need to become automated as volume increases and provide elements to reduce the risk. CRIF's Collections solution comprehensively addresses the needs of institutions that require an advanced tool for managing their collection operations. The solution streamlines the entire collection process, allowing institutions to identify bad debtors, collect more with less cost, enhance customer relationships and facilitate future sales opportunities.
Discover moreDeduplication Platform
CRIF's OneIdentii is the best way to identify multiple relationships of a customer across systems and assign one unique customer ID. Our deduplication platform uses advanced algorithms which enables search on multiple customer data points to match and merge records with a very high degree of accuracy. The capability can be utilized by businesses to understand total relationship value, launch effective and focused marketing outreach campaigns and thus ultimately improve customer experience.
[Deduplication Platform services are provided by CRIF Highmark Credit Information services Pvt Ltd]
External Data Connector
Multiple data sources have become a center of great complexity. Data has proliferated with more devices, greater volumes, and higher velocities. The greater challenge lies in accessing these data and being able to compile the result, in a logical sequence. Our BureauLink is a single click, LOS integrated and multi-bureau inquiry platform that allows institutions to access multiple data sources external KYC databases based on logical flows. It is also one of the most matured and installed solution of this kind in India.
[External Data Connector services are provided by CRIF Highmark Credit Information services Pvt Ltd]Sicurnet
Internet provides endless opportunities to connect with the world. However, there are chances of your data being compromised and misused. Hence, it is important to take measures to be safe online. Sicurnet helps reduce these risks and have a complete peace of mind. Sicurnet constantly monitors your personal and financial data online and sends an alert in case your data is exposed to high risk environment along with an advice on how to protect yourself from possible fraud.
Discover moreESG
The global demand for sustainability solutions is growing rapidly as companies strive to align with sustainable principles. Specifically, assessing the entire production process and supply chain is vital, given its significant contribution of around 90% to a company's overall impact.
Synesgy is the global digital platform, powered by CRIF to collect and manage ESG data at a granular level. Synesgy’s Assessment Model enables companies to collect and manage sustainability information through an ESG self-assessment, complete with evaluation, benchmarks, and guidance on the development plan to be undertaken.
PFM- Personal Finance Management
CRIF's WEAVE platform unlocks a powerful combination: stronger customer relationships and new revenue opportunities. This next-generation solution weaves together engaging experiences, creating a seamless and convenient digital banking environment. WEAVE empowers your customers with actionable tools for effective financial management, hyper-personalized recommendations tailored to individual needs, and a holistic view of their finances in one place. This fosters deeper customer engagement and financial well-being, ultimately maximizing their lifetime value for your business.
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