APPLICATION RISK DATA
Cross-Application Identity Intelligence.
An additional upstream signal before the credit decision—currently in development.
An Additional Intelligence Layer
Identity Flow Data is developing an additional intelligence capability designed to identify suspicious identity behavior across consumer application activity. The dataset is sourced from online payday-loan submissions that were declined for suspected fraud before a credit check was performed.
An institution typically sees only the applications submitted to its own environment. Cross-application intelligence can potentially reveal patterns—repeated identifiers, identity reuse, mismatches, and submission velocity—occurring across a broader application ecosystem.
A declined application indicates that the submission was flagged for suspected fraud before a credit decision was made. It does not confirm that the named person committed fraud.
Cross-Application Identity Reuse
Identify identity information observed across multiple applications.
Email & Identity Inconsistency
Identify instances where an email or other identifier appears alongside inconsistent identity information.
Identifier Recycling
Identify repeated reuse of identity attributes across application activity.
Application Velocity
Identify potentially unusual application behavior occurring across short periods of time.
Identity Mismatches
Identify inconsistencies between identity attributes observed across applications.
AN ADDITIONAL SIGNAL — NOT A REPLACEMENT FOR YOUR FRAUD STACK.
The objective is to provide an additional upstream intelligence layer that financial institutions can eventually evaluate against their existing controls to determine whether it identifies incremental fraud or elevated-risk applicants.
This capability is currently in development and is not yet generally available or production deployed. Availability is inquiry-based.