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Tekambi is a solution for credit risk underwriting that empowers lending portfolios to have control over every aspect of the lead purchasing process.

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Explore Our Seamless Solutions Who Will Help Supercharge Your Lending Business

Clarity Services

Clarity Services is the top provider of real-time fraud and credit risk solutions for lenders and service providers working with non-prime consumers. They hold current credit information on the majority of the U.S. subprime population and use a unique data source derived from various financial service providers. As a recognized authority on non-prime consumer behavior, they collaborate with clients to create custom data-driven solutions to meet specific business needs.

TransUnion | Factor Trust

The Alternative Credit Bureau (FactorTrust) offers lenders alternative credit data, risk scoring information, and analytics to make informed decisions about consumers they want to work with. Their real-time database covers consumers in the USA, providing opportunities for lenders to grow revenue, comply with regulations, and offer credit options to consumers seeking to build better lives. The Atlanta-based company is an active member of various industry trade associations, including Online Lenders Alliance (OLA), Consumer Financial Services America (CFSA), Financial Service Centers of America (FISCA), and more.

DATAX

DataX is an industry leading credit reporting bureau that provides insight into consumer payment history for the non-prime lending community. It is committed to delivering premier financial management solutions and leads the market in providing high quality actionable business intelligence; enabling businesses to reliably assess consumer and business risk and maximize profitability. DataX provides a comprehensive suite of real-time credit reporting, data verification, and authentication services that benefit financial institutions and private equity lenders.

microbilt

MicroBilt helps businesses assess and manage risk. It provides the high-quality, cost-efficient consumer credit data businesses need to help ensure the best loan decisions are being made for their business. Consumer credit and decisioning tools include: alternative credit reporting, traditional credit reporting, and decision support products.

e-hawk

E-Hawk helps to stop bad actors from getting into the systems, creating fake accounts, damaging brand, and costing money to the clients. The cloud based API service provides quality, actionable cyber intelligence, evaluating risk for every user so that the clients can stay focused on what they do best. E-HAWK monitors login activity for suspicious behavior such as IP movement velocity, changes in IP, email, and device fingerprint risks. They started in 2012 with the help of some large ESPs to build an online vetting solution that could identify risk profiles in real-time.

EKATA

Ekata (formerly Whitepages) is a global leader in digital identity verification, offering solutions such as Identity Verification, Data Validation, and Data Enrichment powered by the Ekata Identity Engine. Their products use machine learning algorithms across five core consumer attributes to derive unique links and features from real-time transactions, with their Identity Check API built for decisioning platforms using real-time global data, machine learning, and network insights to identify good customers and fight fraud.

IDology

The most important thing to know about us is that IDology, Inc. provides innovative technology solutions that verify an individual’s identity and/or age for organizations operating in a customer-not-present environment. The IDology platform serves as a collaborative hub for monitoring and stopping fraudulent activity across the entire network while also driving revenue, decreasing costs and meeting compliance regulations.

eBureau

eBureau is a leading provider of predictive analytics and information real-time information solutions. It helps companies acquire customers, manage risks and maintain customer relationships. The services of eBureau access vast amounts of predictive data to deliver instant insights that help make critical decisions throughout the customer lifecycle and are helping Business-to-Consumer (B2C) and Business-to-Business (B2B) companies improve profitability, boost efficiencies, reduce losses and increase revenue.

FORENSIQ

Forensiq is an innovative company that protects clients against high-risk traffic sources and delivers real-time predictive quality scoring for each visitor that views an ad or completes an action. Forensiq helps eliminate click fraud, conversion fraud, impression fraud, cookie stuffing and at the same time provides exceptional insight into ad viewability. A multi-layered approach to fighting fraud includes: device manipulation recognition, anomaly detection and proxy unmasking all of which feeds into a massive global fraud intelligence database.

BriteVerify

Brite Verify delivers real-time email address verification solutions that improve data quality and email marketing ROI, it also reduces bounce rate by 98% and helps messages get delivered. BriteVerify is the ONLY email verification platform certified by TRUSTe for compliance with Web Privacy & Trusted Cloud (http://privacy.truste.com/privacyseal/BriteVerify/validation?rid=0694e06d-ff37-443e-8868-855e58443d3f) and SafeHarbor compliant (http://safeharbor.export.gov/companyinfo.aspx?id=16485).

BriteVerify identifies email entry mistakes in web forms, ecommerce shopping carts, questionnaires, surveys, polls, mobile and app download forms.

giact

GIACT is a leader in providing real-time payment risk and fraud prevention solutions, including account verification, account ownership, ID verification, mobile verification, and OFAC screening, to enable informed, fact-based decisions. Giact’s EPIC Platform is designed to:


- Eliminate false declines

- Improve customer experience

- Reduce fraud loss

- Minimize transaction friction

GIACT has been helping companies verify valued customers since 2004 and is a privately held by a team of experienced payments, security, and technology experts.

DECISIONLOGIC

DecisionLogic provides lenders the ability to verify a borrower's identity, account number and balance in real-time. It also provides access to up to 365 days of the borrowers account transaction history. This automated real-time process removes many of the problems encountered with traditional methods of loan decision making. Instant Account Verification empowers lenders to make fast and accurate decisions critical to the success of their business. DecisionLogic has partnered with the leading credit and financial data providers around the world to offer a unique Data Provider Aggregation Environment.

PAYMENT Data Systems


Payment Data Systems is an integrated payment solutions provider to merchants and billers. They provide an extensive set of tailored products to deliver world-class payment acceptance, processing, and risk/fraud management. Payment Data has solutions for merchants, billers, banks, service bureaus and card issuers. PDS helps you grow business by building a payment platform that can be used by the customers, wherever they are and however they want to be paid.

veritec solutions

VERITEC SOLUTIONS PROVIDES TECHNOLOGY SOLUTIONS THAT ENABLE JURISDICTIONS EFFICIENTLY & EFFECTIVELY PROTECT CONSUMER RIGHTS, PREVENT FRAUD, AND ENABLE 100% LICENSEE COMPLIANCE.

Their systems have successfully been implemented by government agencies to regulate industries such as short-term “payday” lending, automobile title lending, small consumer loan lending and mortgage lending.

Their trusted database management system takes the guesswork out of consumer lending by capturing each and every transaction, from the initial date of a loan to the final repayment. Veritec Solutions capture every single transaction from regulated entities at the point of sale, thus significantly reducing the industry burden of compliance and driving down regulatory costs.

underwrite.ai

Underwrite.ai – Modeling analyzes thousands of data points from credit bureau sources, to accurately model credit risk for any consumer and also return a probability of default for the potential borrowers using only a small set of inputs, primarily name, address, SSN and email. By using biologically based machine learning techniques applied to the client’s own portfolio, they model the expertise of your underwriters and the past performance of your loans to return an automated decision typically in less than 5 seconds. If there is no portfolio data, Underwrite.ai has models based upon large quantities of publicly available datasets covering everything from home mortgage and automobile to peer to peer lending and cash advance.

Five9

Five9 Connect, our advanced technology layer for omnichannel applications, delivers better customer engagements and faster response times by empowering agents to handle inbound and outbound contacts from multiple channels all from a single, intuitive agent desktop interface.

Five9 Intelligent Routing ensures that every interaction will be delivered to the right resource at the right time, every time. The Predictive Dialer keeps your contact center at optimal efficiency by intelligently adjusting the dialing rate according to past campaign performance and agent availability. Five9 provides everything you need to run an effective inbound, outbound, or blended contact center, including omnichannel management applications such as real-time and historical reporting, recording, workforce management (WFM), quality monitoring, CRM integrations, and more.

bankruptcyWatch

BankruptcyWatch automatically performs a bankruptcy scrub and gathers the necessary data so you can identify, monitor and make automated decisions regarding bankruptcy cases. We scrub the national bankruptcy database and alert you to new filings and changes. Our industry-first technology delivers the ability to fully automate the process from the initial filing all the way through case close.

ACCELITAS

Accelitas™, formerly Dragnet Solutions (DSi). Help your company dramatically enhance its Identity Intelligence — so you can identify more customers and grant them fast, fair, and frictionless access to your business. Built on our proprietary Accelerated Insight® platform, our four real-time web services work together to provide a faster, smarter way to seamlessly open digital accounts, quickly authenticate IDs, verify profitable customers, and revive rejected applicants. The results: more profitable accounts, lower abandonment, reduced risk and charge offs, and slashed loan rejection rates that can deliver an ROI as high as 30:1. Accelerated Insight Platform enhances your organization’s identity intelligence by leveraging data analytics and machine learning to deliver the predictive insights you need to grant fair, fast and frictionless access to more customers.

INFINITY

The Infinity Dry Run is not a traditional vendor. This is an API call that Infinity users can put in place to check the Infinity LMS prior to the lead going through costly underwriting. This call acts like a soft check to ensure the lead will not be rejected by the LMS for any custom rules you may have in place at that level of the lead flow.

RealPhoneValidation

Real Phone Validation silently touches the phone switch and uses the live telco data returned to identify disconnected and invalid phone numbers. In real-time or by batch, we offer a phone validation solution to fit your needs.

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iovation

Iovation is a leader in advanced multifactor authentication and fraud prevention services and hosts annual Fraud Force summits where the dynamic worlds of multifactor authentication and fraud prevention meet and evolve.

Iovation offers a suite of authentication and fraud detection solutions that help businesses secure their networks with advanced authentication and fraud prevention services.

DataRobot

DataRobot captures the knowledge, experience, and best practices of the world’s leading data scientists, delivering unmatched levels of automation and ease-of-use for machine learning initiatives. DataRobot automates the entire modeling lifecycle, enabling users to quickly and easily build and deploy highly accurate predictive models in a fraction of the time it takes using traditional data science methods.

VERITRAC

VeritTrac reports ACH Debit eligibility of a checking or savings account and history of stopped, revoked, and disputed ACH debits in real-time. VeriTrac helps with decisions of whether or not to offer ACH payment terms. VeriTrac data of ACH eligibility comes from several sources, including the account institution. Some accounts will accept ACH deposits, but not debits, which may be due to the account service terms, or due to a severe number of NSF's or other derogatory conditions. About 75% of all standard checking accounts are included in the real-time ACH eligibility reports. For the other 25% of checking accounts, at credit union and non-direct reporting banks, we obtain ACH debit eligibility information by check clearing centers.

solutions by text

Solutions by Text is a division of Marketing Response Solutions, a full-service consulting firm that has been serving the business community since 1995.

In 2008, Solutions by Text (SBT) was created to streamline client communication and leverage the power of SMS to create advanced business solutions in the mobile space.

Some current solutions include:

- Two-Way Texting

- Pay By Text

- Powerful Business Tools such as: Scalable SMS Gateway, Stop Safety Net, Text Guard, Dual Delivery, Verify by Text, and KPI Dashboard

- API Integration

- SBT Smart Click

mailgun

Mailgun is an email marketing solutions company that provides powerful APIs to enable you to send, receive, and track email campaigns effortlessly through their online platform.

Trusted by over 150,000+ businesses, Mailgun is built for developers and product teams looking to manage email marketing campaigns for high volume senders using only a few lines of code.

Some top features of the Mailgun platform includes email logs, email analytics, SMTP services, email address validation, as well as email list and bounce management.

ValidiFI

ValidiFI offers data and payment solutions for the financial services industry to provide insights that increase sales, facilitate payments, and manage risk more efficiently.

From startups to public companies, businesses of all sizes use their platform to validate and analyze information, gain confidence in serving financial products to consumers, and enable choices when sending or receiving payments.

ValidiFI's strategic partnerships and technology create better ways for businesses to protect consumers from unnecessary fees, lower costs associated with customer acquisition and payment processing, and maximize profits.

EPIC Loan Systems

The EPIC Open Loan Check is not a traditional vendor. This is an API call that EPIC users can put in place to check the EPIC LMS prior to the lead going through costly underwriting.

This call acts like a soft check to ensure the lead will not be rejected by the LMS for any custom rules you may have in place at that level of the lead flow.

twilio

Twilio is a communications data vendor platform that allows users to fine-tune their communication workflows, add new API channels, and integrate existing solutions at their own pace. Twilio Flex lets you customize your experience, from technical workflows to user interface(s) so you can build a solution that fits your business and your industry.

By utilizing Twilio’s Identity, Verify, and Authy services, you can reduce fraud, increase lead conversion, and improve message deliverability by using phone number validation, as well as authenticate logins and transactions through 2FA (Two-Factor Authentication).

PLAID

Plaid is focused on democratizing financial services through technology. We build beautiful consumer experiences, developer-friendly infrastructure, and intelligent tools that give everyone the ability to create amazing products that solve big problems. We started out by building the technical infrastructure APIs that connect consumers, traditional financial institutions, and developers. Today, we add key insights to the data access we provide with our suite of analytics products.

emailage

Your partner in the global fight against fraud. At a time when online fraud is costing companies billions of dollars each year, Emailage has emerged as a key player to help companies reduce these losses.

Our predictive online fraud risk score allows companies to assess risk using email address reputation, behavior and metadata.

ORIGIN8

Lead Management of the decision engine provides flexibility to control your velocity at multiple levels. Route leads using dynamic campaigns, keeping the questionable sub ID’s out and allowing the favorable ones in.

Complex underwriting is a cinch. Use our scorecard builder, create alternative routing, custom modeling all with the click of a button.

Tekambi’s industry-leading data vendor connectivity is second to none. Over 30 data vendors, including credit bureaus, are plugged in and ready to be activated with a flip of a switch.

NINJAEDGE

Our platform provides core services integral to lenders, landlords, and FinTech players, providing them a range of products across Underwriting, Analytics, Automation, Customer Service, and Loan Management.

Relying on credentialed bank data, we deliver solutions not limited to the historical validation provided by traditional bureau data. Our ever-growing dataset and constantly iterating models have allowed us to build and refine our platform, providing better predictive solutions and outcomes for our customers and their consumers.

GDS MODELLICA

The company provides decisional software and analytics, and machine learning techniques to manage risk, fight fraud and build profitable customer relationships.

GDS Modellica solutions leverage cloud computing to maximize flexibility, speed deployment and reduce costs. Our solutions include predictive analytics, big data and decision management. GDS Modellica has clients in more than 36 countries, including banks, insurers, retailers, credit card issuers and more.

INTROXL

Intro XL will help originate, track, recover and report on your title loan portfolio. Title lending can be a demanding and intensive process. We can help streamline your operations.

LUCID INTEL

Data Science at its finest, LucidIntel is an alternative data provider that delivers actionable intelligence on consumer analytics. Powered by Machine Learning, Artificial Intelligence, and a dedicated seasoned team, LucidIntel gives you the tools to analyze your consumers in ways you never thought were possible.

plat

Plat provides lead distribution and ad tracking services. The platform is fully customizable and offers turnkey solutions for end-to-end performance marketing.

Our services also include data intelligence tools that provide deep insights, helping you increase your revenue-per-lead or goal conversion. Plat a course to better data distribution and sign up for a demo below.

preuw

We Use Machine Learning to Save Underwriting Costs for Lenders, Eliminate Leads In Your Waterfall Before Investing in Expensive Underwriting.

• NO Up-Front Costs or Monthly Fees of Any Kind

• Save up to 50% on Current Underwriting Costs

• 100% Custom Underwriting Model, Total Data Security

Learn More

RIBBIT

RIBBIT leverages the recency and accuracy of bank behavior to power lenders, billers, banks, and fintech’s to make smarter decisions, expand financial inclusion, and reduce fraud. Consumers and small businesses can now use their own bank and payment data to improve access to quality financial services.

The AI-driven INSIGHTS delivered by RIBBIT enable instant, actionable user experiences that increase customer acquisition. We are the Bank Behavior Experts.

flinks

We deliver tools for financial innovation to businesses—big and small. Flinks enables the open, consent-based exchange of financial data and empowers you to connect consumers with the services they want.

vergent

Vergent is your Fintech partner, offering the cloud-based, SaaS technology and great service you need to succeed in your business and giving you the edge, you need to keep your customer relationships safe from competitors.

Xverify

We help online marketers improve email deliverability by eliminating hard bounces, reducing spam complaints and minimizing fraud.

Kount

Protect your entire customer journey with Kount’s industry-leading eCommerce fraud protection platform, powered by AI and the Identity Trust Global Network.

From account creation and login to payments and disputes, reduce fraud and friction to grow revenue.

EmailOversight

EmailOversight provides a smarter way to clean emails through our multi-method validation approach.

We combine both real-time email verification and email hygiene, which identifies more hard bounces and email threats such as spam traps, complainers, bots, litigators and more.

By simply removing these harmful email addresses, it will increase email deliverability performance, help create conversions, increase website traffic, raise engagement rates, and improve sender reputation.

Click2Mail

Click2mail.com provides Web browser-based tools for creating, personalizing and proofing mailpieces and for acquiring, building, and managing mailing lists.

Our system virtually eliminates the need for sorting, labeling, applying postage, and transport to a post office and does it for not much more than the cost of postage alone. In short, mail made easy.

LogRocket

Modern Frontend Monitoring and Product Analytics. LogRocket combines session replay, performance monitoring, and product analytics – empowering software teams to create the ideal web and mobile product experience.

pdfshift.io

HTML to PDF conversion API.

Stop wasting time implementing and maintaining a third-party software/library. With PDFShift, rely on an up-to-date, high-fidelity conversion API with no maintenance costs.

Google Analytics

Reach your goals with powerful digital analytics.

Get insight into every step of your customer’s journey on your website, then use analytics to elevate your impact.

Experience the Power of Tekambi with a Personalized Walkthrough

Help us understand your pain points.

Our seasoned software engineers are ready to help.

  • Experience the Leading Technology for Loan Underwriting and Lead Decisioning

  • Exceptional Customer Support for Hassle-Free Issue Resolution

  • Experienced lending strategy technologists

  • Powerful Lending Solutions Tailored

Experience the Power of Tekambi with a Personalized Walkthrough

Help us understand your pain points.

Our seasoned software engineers are ready to help.

  • Experience the Leading Technology for Loan Underwriting and Lead Decisioning

  • Exceptional Customer Support for Hassle-Free Issue Resolution

  • Experienced lending strategy technologists

  • Powerful Lending Solutions Tailored

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