CONSUMER INFORMATION SOLUTIONS Challenge Retailers face high expectations from their customers around the level of service and efficiency associated with purchasing goods online or through call centers. The competitive nature of the consumer retail environment requires sellers to become more sophisticated in their online account acquisition strategies. In order for the retailer to better meet consumer needs, they required a broad set of new capabilities that included: - Increasing automated approval rates without increasing default rates - Minimizing the cost per booked account - Reducing manual reviews by allowing for a waterfall approach to additional data sources during automated decisioning - Enabling real-time change controls - Establishing a manual review process - Deploying a s

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