Reduce default risk and increase originations
Gain operating intelligence on merchants using 40% of U.S. payment card transactions.
RISK & UNDERWRITING
Reduce losses, reward your best customers, and accelerate onboarding.
Generate pre-qualified financial offers and use card revenue & transactions intelligence at the top of your lending funnel.
Establish higher initial credit limits & loan amounts with confidence. Monitor updates continuously for changes in risk profile.
Our customers have found definitive splitting power in predicting delinquencies. Backtest credit portfolios with Enigma's risk features.
Card transaction trends like Refunds Activity can help identify risky merchants and help reduce chargebacks and losses.
Preflect, an AI-powered ad targeting provider, used Enigma to qualify leads before any sales touchpoint, in order to minimize risk and losses up to $100,000 per bad customer.
Product Features
Card Revenues and Transactions
Built from a panel covering ~50% of U.S. card transactions, Enigma offers insight into private business card revenues, revenue growth, average transaction size, and refunds.
Card Refunds
Refund to revenue ratio is highly correlated with chargeback risk and can be used prevent losses before they occur.
Identity and Firmographics
High-precision firmographic data including names, aliases, addresses, web domains, corporate registrations, industry classifications, risky activity flags, licenses, and more.
Fraud & Signs of Life
Be confident that the business you are interacting with is legitimate and has proven signs of operating activity.
Geography & Industry Benchmarks
Understand a business's health and performance relative to their unique industry and geography.
Portfolio Monitoring
Stay ahead of evolving risks with alerts for your existing customers.
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