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Credit Data Integration

Software for the seamless and cost-efficient integration of credit bureau data and other external data sources.

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The Benefits

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Reduce complexity

The Gateway abstracts from technically heterogeneous interfaces and processes of each credit bureau by providing a standardised remote interface (API).

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Reduce costs

An integrated caching mechanism ensures that identical reports are not purchased multiple times and thus helps to reduce costs.

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Drive standardisation

Each credit bureau delivers specific information and data fields. ACTICO’s Gateway offers a mapping mechanism that standardises credit reports across multiple data providers.

Credit Bureau Gateway

Integrating and processing third-party data for credit risk assessment and decisioning

ACTICO provides a pool of standard connectors to credit bureaus and other data providers worldwide with the Credit Bureau Gateway (CBG). Using the standard connectors, credit reporting data in both, structured and unstructured formats can be easily retrieved from the external data providers. The modular application design reduces maintenance efforts, and allows for easy integration of additional data providers.

 Standard connectors to credit bureaus and other data providers

Plug-In mechanism for connectors

Interfaces to credit bureaus are encapsulated and bundled as “connectors”, which can easily be added and removed using a plug-in mechanism.

 

Standardised web service interface

Each credit reporting agency supports specific integration options and technologies for data access. ACTICO’s Credit Bureau Gateway provides a standardised web service interface independent of the data provider used.

 

Centralised data storage & caching

Each product or data package from an external data provider is stored centrally in a caching database. This avoids multiple purchases of the same credit report, and reduces costs.

 

Centralised monitoring

The ACTICO’s Gateway monitors all communication with external data providers using a centralised logging mechanism. This ensures quick identification and resolution of errors related to external communications.

Automated report generation

Many credit bureaus deliver their credit reports in formatted documents. The Credit Bureau Gateway is able to generate PDF documents “on-the-fly” for those agencies that do not provide such reports.

Support for credit monitoring

The Credit Bureau Gateway of ACTICO supports monitoring processes for automated polling of updated credit reports.

Credit Risk Platform

Discover the full suite of the Credit Risk Platform’s capabilities.

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Recognised throughout the industry.

For many years, ACTICO has been recognised by customers and analysts as a leading provider of Advanced Decision Automation Technology and solutions for Compliance and Credit Risk Management.

ACTICO Award logo Forrester
ACTICO Award logo Gartner
ACTICO Award RegTech100
ACTICO Award FinCrime50

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