equifax commercial financial network cfn
Post on 13-Apr-2017
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1Confidential and Proprietary – Do Not Distribute
U.S. COMMERCIAL SERVICES & THE COMMERCIAL FINANCIAL NETWORK
Confidential and Proprietary – Do Not Distribute 2
Our Commercial Value Proposition
Our core purpose is to expand access to capital and services for American small business.
Small Business
Business Ownerand Identity
PaymentPerformanceEmployment
Wealth andAssets
Activity andBehavior
SMALL BUSINESS
No one else has all this data, intelligently linked and ready for use
Business Ownerand Identity
PaymentPerformance
Wealth andAssets
Activity andBehavior
Employment SMALL BUSINESS
The Commercial Financial NetworkOver 28 million business records, intelligently linked and growing daily
Five major data categories, expanding well beyond the traditional credit bureau model
More than 1,200 commercial payment data contributors
The fastest-growing commercial database, adding three new contributors/week
Confidential and Proprietary – Do Not Distribute 3
CFN Building Blocks • Contact information• Linkages and hierarchies• Owner history• Owner telco, cable and utility data
• Financial tradeline data• Non-financial trade credit data• Negative public records• Business owner credit data
• Macroeconomic data• Fraud data• Digital footprint and spending behaviors• Life stage (growth/decline)
• Asset and wealth data• Financial statement and stock price• DDA and property data• Trade-based models/attributes
• Raw income & employment• Employee trends• Income trends• Proprietor’s employment
Business Ownerand Identity
PaymentPerformanceEmployment
Wealth andAssets
Activity andBehavior
SMALL BUSINESS
CAMBRIAN
Business Ownerand Identity
PaymentPerformance
Wealth andAssets
Activity andBehavior
Employment SMALL BUSINESS
Confidential and Proprietary – Do Not Distribute 4
So What? What If … … you knew which business proprietors boast a long history of successful business ventures?
… you knew that your portfolio’s delinquency rate was higher orlower than your peers?
… you had the profiles of the 20,000most successful proprietors in America?
… you could see that a business owner hassubstantial home equity available?
… you could identify smallbusiness proprietors whoalso have a full-time job?
… you knew that your customer just stopped paying its biggest supplier?
… you could leverage balance sheet data to assess business health?
… you knew the wealth profile of your small business targets?
… you knew your customer was hiring in droves?
… you knew you had a customer with a recent flurry of positive – or negative – online reviews?
… you could segment businesses bytheir proprietors’ personal interests?
… you could identify if a proprietor has been involved in fraudulent activity, prior to making an offer?
... you could quickly validate a business’ category/type, longevity and affiliates?
Business Ownerand Identity
PaymentPerformanceEmployment
Wealth andAssets
Activity andBehavior
SMALL BUSINESS
CAMBRIAN
Business Ownerand Identity
PaymentPerformance
Wealth andAssets
Activity andBehavior
Employment SMALL BUSINESS
Confidential and Proprietary – Do Not Distribute
CFN for Credit Risk Management Verify Identity, Assess Risk, Monitor Accounts
Reports Reports include: identity info, firmographics, public records, summary
credit data, inquiries, suggested credit limits, scores, trends, trade lines Trade line data sourced from financial institutions and non-financial
institutions such as telecomm firms, utilities and goods/service providers. CFN analysis showing comparable hit rate and KS performance on
blended scores vs. SBFE & competition
Attributes
Business Modeling Attributes (BMAs) – Thorough aggregation of business credit behavior as well as public record and firmographic attributes. Used to develop advanced custom models, account review systems or for data warehousing applications
More than 1,400 time-series key attributes which can be used independently or in combination and available online or offline.
Scores & Analytics
Predictive scores – offer insight into likelihood of delinquency and business failure; vertical-specific scores available (e.g., Transportation, Mfg., etc.)
Business activity monitoring (BAM) Custom score models. Engagements include:
– Credit decisioning analytics– Credit line assignment– Relationship management (e.g., cross-sell)
5
Confidential and Proprietary – Do Not Distribute 6
CFN Data ContributionThree Reasons to Contribute Your Data to CFN
Industry Leading DataBased on reciprocity (give-to-get)
No charge for contribution and no membership fees
Retain ownership of data
Best-in-class Governance, Security and ComplianceRobust governance infrastructure refined over a decade
Dedicated security team with real-time compliance reporting
Contributor-based Advisory Council
Expanded Use Cases and Insights
DDA and merchant services
Access to full spectrum of Equifax data and analytics
Potential for product discounts based on contribution
7Confidential and Proprietary – Do Not Distribute
APPENDIX
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