Smarter consumer credit decisioning

Consumer credit decisions often depend on traditional credit information that provides an important foundation for assessing risk. Transaction-based intelligence can add another perspective, providing timely behavioral signals that help lenders build a more complete view of consumer financial behavior.

This article explores how transaction-based insights can complement existing credit and risk frameworks to support more informed decisions across the credit lifecycle.

In this article:

• Why traditional credit information remains essential but may not provide the complete picture
• How transaction-based behavioral signals can add another lens to risk assessment
• Where additional insights can support underwriting, portfolio monitoring and segmentation
• How Mastercard Custom Credit Score can complement existing credit decisioning frameworks