Holistic credit decisioning product leveraging alternative data for cash flow visibility, normalized income, and asset verification.
Yodlee Credit Matrix is a holistic credit decisioning product that leverages alternative financial data to provide cash flow visibility, normalized income analysis, and asset verification. Built on Yodlee's extensive data aggregation network, it enables lenders and financial institutions to make more informed credit decisions beyond traditional credit bureau data.
Credit Matrix aggregates bank transaction data to verify income, assess repayment capacity, evaluate asset holdings, and provide a comprehensive financial picture that reduces lending risk while expanding access to credit for underserved populations.
| Attribute | Yodlee Credit Matrix | Credit Passport Platform | Plaid Consumer Report | |
|---|---|---|---|---|
| Provider | |  |  | |
| Founded | 1999 | 2020 | 2013 | |
| Sells To | Financial Institutions, Fintechs, Lenders, Wealth Management Firms | Consumers | Enterprises | |
| Pricing Model | Subscription, Usage-based | Recurring | Subscription | |
| Ownership | Private | Venture-backed | Private |
Provider
Founded 1999
Sells To Financial Institutions, Fintechs, Lenders, Wealth Management Firms
Pricing Model Subscription, Usage-based
Ownership Private
Provider
Founded 2020
Sells To Consumers
Pricing Model Recurring
Ownership Venture-backed
Provider
Founded 2013
Sells To Enterprises
Pricing Model Subscription
Ownership Private
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