INDUSTRY

Financial Services

Uncover hidden risks and opportunities for improved financial decisions

Industry Overview

In today’s rapidly evolving market, fluctuating interest rates, shifting consumer behavior, rising fraud, and growing customer expectations create significant challenges for the financial services industry to assess risk and maintaining lending profitability.

ValidiFI helps financial institutions balance customer expectations with secure, efficient lending decisions. Verify bank accounts and identities, while detecting fraud to streamline account acquisition, approve more loan applications, and transact with confidence.

How ValidiFI delivers intelligence for the Financial Services Industry

Validate
Bank Accounts

Verify ACH capability, check balances, assess risk, and confirm account authority for more confident transactions

Optimize
Lending Decisions

Originate quality loans, reduce FPD, and cost per funded to increase portfolio profitability

More
Competitive Offers

Create competitive loan terms through informed analysis to better serve customers

Onboard and Convert
More Customers

Adhere to KYC and AML requirements while ensuring a seamless customer experience

Access
Predictive Data

Adapt to shifting consumer behavior by evaluating bank account stability and payment performance

Detect and Prevent
Fraud

Utilize a comprehensive approach to fraud detection for a more thorough analysis

Who we serve

Banks - Manage deposit accounts and expand opportunities for new products
Credit Unions - Optimize member experience and expand portfolio growth
Lenders - Fund more loans, personalize offers, and assess risk more effectively
Card Issuers - Make more informed decisions about which applicants to approve
Fintechs - Provide a more accessible, efficient experience for consumers
Wealth & Investment Management - Authenticate new account enrollments and disbursements

Solutions for Financial Services

vIndex™

Evaluate financial institutions for increased chance of risk before accepting consumer payments

vAccount™

Our vAccount suite offers scalable account validation for compliance, risk mitigation, and ownership verification

vCredit®

Predictive credit risk score and attributes, leveraging proprietary bank account and payment intelligence

vFraud®

Detect high-risk bank accounts, phone numbers, and emails to prevent fake accounts and fraudulent transactions

vConnect®

Access cash-flow underwriting and consumer-permissioned transactional data from users’ bank accounts

vInsights™

Categorization and cashflow underwriting report to enhance affordability and risk evaluation

Related resources

Press Release

ValidiFI Collaboration with J.P. Morgan Payments will Enhance Secure Digital Transactions

Press Release

ValidiFI Collaboration with J.P. Morgan Payments will Enhance Secure Digital Transactions ALPHARETTA, Georgia – ValidiFI, Inc., a provider of predictive bank account and payment intelligence, and...

Press Release

Community Bank & Trust Chooses ValidiFI for Bank Account Validation

Press Release

ALPHARETTA, Georgia – Community Bank & Trust, a financial institution that offers a complete line of loans, today announced a partnership with ValidiFI, the leading provider of predictive bank...

Blog

How One Customer’s Experience with Application Fraud Highlights the Need for Advanced Detection and Validation

Blog

In today’s fast-paced digital world, the convenience of online lending and instant credit approvals has become the norm. However, this convenience comes with significant risks as fraudsters...

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Financial Services