Industry Focus

IXI's foundation of direct-measured assets produces powerful solutions for firms that target U.S. investors and consumers

Lending: Lifecycle Management
Featured Applications:

Typically, credit and consumer lenders rely on credit scores, relationship tenure, and other measures to determine if an existing customer is likely to pay their monthly payment/bill on time, would be a good candidate for an increased credit line, or should be targeted for a premium offer.

Plus, given the rapid pace at which adjustable-rate loans are being adjusted upward, mortgage-lenders are especially concerned with identifying those who might not be able to keep up with a higher monthly payment.

While existing credit scores and data have their role, they focus only on a customer’s relationship with your firm. Understanding the impact of a household’s complete economic profile will provide actionable insight on the ability of your customers to spend during recessionary times and stay current with their loan/credit obligations.

Gaining a 360° View of Your Customer’s Economic Position

With IXI’s solutions, card marketers and mortgage lenders can gain a complete picture of their customers’ financial capacity to spend and meet their credit obligations. Supplementing your decisioning with IXI’s metrics will expand your firm’s “account-level” view to a “customer-level” view.

The reason IXI’s solutions are so effective is because they are derived from IXI’s proprietary consumer assets database. Our solutions also incorporate proprietary estimates of consumer spending capacity (DSI), total income (Income360 includes income from wages and assets), total wage income (Comp360*), the intersection of spending and income (Economic Spectrum), credit usage (CreditStyles Pro*), the ability to meet credit obligations (Ability to Pay Index), and market level credit health (CreditMix).

The result is an unparalleled solution to assist card issuers and mortgage lenders in minimizing risk and offering dynamic account management:

  • Proactively differentiate customers’ ability to meet higher monthly mortgage and credit obligations
  • Help analyze differentiated treatment strategies for cross-sell/up-sell, including premium offers, interest rate changes, and reward programs
  • Improve early detection of change of behavior/risk to protect you from potential future delinquencies and/or write offs
  • Approach customer-level view
  • Ensure you are sending the right offer to the right customer, with appropriate messaging and choice of media – read more about Financial Cohorts and Economic Cohorts

Income versus Spending

*IXI’s products were neither developed for the purposes of, nor intended to be used for, the extension of credit to any individual, nor should they be used for purposes of determining an individual’s creditworthiness or for any other purpose contemplated under the Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq./div>