Introducing our D&B Unified Risk View™
Stay ahead of the credit risk curve. Make smarter credit decisions on UK business customers of any size with the new D&B Unified Risk View.
Dun & Bradstreet has developed a new way for assessing credit risk, designed for small business credit decisioning, which integrates TransUnion’s UK consumer data* with D&B’s comprehensive commercial data. This is what we call, our Unified Risk View:
With comprehensive coverage of UK business, we’ll provide you with the confidence to make smarter decisions about business customers. Our D&B Consumer Data & Blended Score helps you to automate risk decisions for new customers, better manage your existing portfolio, and act decisively on early signs of distress.
* Restrictions may apply to the use of TransUnion’s UK Consumer data depending on the size and type of the business in question
How it works:
A combination of the most comprehensive UK business data in one unified view
D&B Business Data
- Business Risk Scores
- Credit Ratings
- PAYDEX
- Trade Payments
- Legal Events
- Ownership
- Company Profiles
- Principals
- Financials
- Registry Info
Commercial Credit Data Sharing (CCDS)
- SME Risk Scores
- Active Facilities
- Balances
- Credit Limits
- Defaults
- Turnover
- Payment Status
- Days in Excess
TransUnion’s UK Consumer Data
- Electoral Register Information
- Address Links
- Public Data (e.g., CCJs/Bankruptcies)
- Credit Searches
- Credit Account Info (e.g., Number of Accounts and Balances)
- Consumer Credit Risk Score
Are you a lender?
- Automate for new business opportunities: expand outside your existing customer portfolio base, and speed the management of new business, maintaining positive customer experience.
- Maintain high security standards with a trusted partner: with a Privacy Program focused on personal data compliance.
- Remain agile as you expand your reach: into the UK’s 5.5 million small businesses marketplace, whilst automating new business opportunities.
- Gain competitive advantage: grow and scale by having a strong position to attract and retain customers.
Are you a credit provider?
- Automate for new business opportunities using our data: expand by selling into an untapped market - including start-ups - and better manage your existing credit customer portfolio.
- Expand your reach: into the UK’s 5.5 million small businesses, expediting new business while consistently controlling credit risk for new and existing customers.
- Monitor ongoing progress: identify directors’ high-risk activity before it reflects in their business financials, take precise and faster action.
- Assess risk: of sole traders, partners and up to three directors.
Real customers, real results
Large bank can now approve more applications without increasing risk
Our new D&B Unified Risk View improved acceptance rates on credit applications by 7%:
- A 7% improvement in acceptance rate drove incremental gains in net new accounts receivables.
- Driving account growth while maintaining the same portfolio bad rates leads to higher profitability.
- Leveraging the best available credit profile information for both commercial and consumer entities, this model allows for consistent and streamlined decisioning process flows with automation.
- Higher accuracy and automated decisioning leads to resource and cost optimisation, plus higher margins.
Take the next step
Want to learn more and build a true data-driven view for your business? Talk to one of our specialists through a no obligation consultation today!