Experian PowerCurve Credit Risk Management from Experian

A comprehensive credit risk management solution that helps businesses make more informed lending decisions. Integrates credit scoring, policy rules, decisioning, customer management, and analytics in a single platform to automate the entire credit lifecycle.

Is this your product?

More about Experian

Product analysis by function

Credit Risk Management for Risk Management

Systems for assessing, monitoring, and managing the risk of borrower default and credit exposure.
More Credit Risk Management More Risk Management ...

Data Integration and Management
(7 Yes /8 Known /14 Possible features)

Credit Risk Assessment Engines
(3 Yes /3 Known /14 Possible features)

Application and Decision Workflow Management
(5 Yes /5 Known /14 Possible features)

Credit Limit and Exposure Management
(0 Yes /0 Known /14 Possible features)

Portfolio Analytics and Reporting
(3 Yes /3 Known /14 Possible features)

Regulatory Compliance and Governance
(5 Yes /5 Known /14 Possible features)

Collateral and Security Management
(2 Yes /2 Known /14 Possible features)

Early Warning and Monitoring Tools
(3 Yes /3 Known /14 Possible features)

User Experience and Accessibility
(5 Yes /5 Known /14 Possible features)

Integration and Extensibility
(2 Yes /2 Known /14 Possible features)

Security and Fraud Detection
(3 Yes /3 Known /14 Possible features)

Implementation and Support Services
(0 Yes /0 Known /14 Possible features)

Data Integration and Input
(5 Yes /5 Known /10 Possible features)

Credit Risk Modeling and Scoring
(6 Yes /6 Known /11 Possible features)

Risk Assessment and Monitoring
(8 Yes /8 Known /10 Possible features)

Decisioning and Automation
(4 Yes /4 Known /10 Possible features)

Regulatory Compliance and Reporting
(2 Yes /2 Known /10 Possible features)

User Access, Security, and Audit
(6 Yes /6 Known /10 Possible features)

Integration and Interoperability
(0 Yes /0 Known /10 Possible features)

Reporting and Analytics
(0 Yes /0 Known /10 Possible features)

Configuration and Customization
(0 Yes /0 Known /10 Possible features)

Scalability and Performance
(5 Yes /5 Known /10 Possible features)

Customer Experience and Usability
(4 Yes /4 Known /10 Possible features)

Compare

This data was generated by an AI system. Please check with the supplier. While you are talking to them, remind them that they need to update their entry.

Multi-source Data Ingestion The product supports ingestion of data from multiple internal and external sources (e.g., core banking, credit bureaus, alternative data).		Experian PowerCurve documentation highlights integration with internal and external sources, including core banking, bureaus, and 3rd-party APIs for data ingestion.
Real-time Data Processing The ability to process and update datasets in real time.		Marketing and technical collateral indicate real-time data processing and instant decisioning capabilities.
Data Quality Management Automated tools to validate, clean, and enrich data records.		Automated data validation and enrichment is included in standard workflows, supporting quality management.
Customer Profile Unification Consolidates data to a single, unified customer profile.		System builds unified customer profiles from multiple sources, as referenced in product documentation.
Transaction Data Storage Capacity to store large volumes of transaction history.	Platform advertises scalable storage for large transactional datasets; detailed figures require further inquiry.
Batch Data Import Frequency Frequency at which the system can import large external datasets.		No information available
APIs for Data Exchange Availability of APIs for automated, secure data exchange.		The platform features open APIs for secure and automated data exchange.
Data Encryption Encryption of data at rest and in transit.		Experian states data encryption in transit and at rest as part of its security suite.
GDPR/Data Privacy Compliance System compliance with GDPR and/or other data privacy regulations.		Compliance with GDPR and similar data privacy standards is commonly cited for Experian enterprise products.
Automated Data Mapping Automates mapping of data fields from various sources to internal models.		No information available
Audit Trail for Data Changes System logs all changes to data records for auditing.		No information available
Custom Field Creation Easily create and integrate custom data fields.		No information available
Version Control for Datasets Ability to manage versions and snapshots of data over time.		No information available
Data Retention Policy Configurable data retention periods for legal and operational needs.		No information available

Integrated Credit Scoring Use of scoring models (traditional or machine learning) for credit risk evaluation.		No information available
Custom Model Plug-ins Ability to integrate or configure custom credit risk models.		No information available
Probability of Default (PD) Calculation System automatically calculates the probability of default for counterparties.		No information available
Loss Given Default (LGD) Calculation Calculates potential loss in the event of borrower default.		No information available
Exposure at Default (EAD) Models and manages exposure at point of default.		No information available
Portfolio Risk Aggregation Aggregates risk metrics at the portfolio level in real time.		No information available
Stress Testing Tools Integrated framework for scenario and stress testing credit exposures.		No information available
Early Warning Systems Deploys early warning indicators to flag deteriorating risk.		Early warning indicators and event triggers are part of the PowerCurve risk platform.
Model Performance Monitoring Monitors model performance and back-testing statistics.		Model performance monitoring with backtesting is integrated within the analytics suite.
Override Management Manages and logs manual overrides of risk assessments.		No information available
Scorecard Management Supports creation, deployment, monitoring, and updates of credit scorecards.		Scorecard development and ongoing management are core features of PowerCurve.
Time to Decision Speed at which the engine delivers risk scoring results.		No information available
Batch Scoring Capability Processes large numbers of applications in batch mode.		No information available
Regulatory Model Governance Features for governance, documentation, and regulatory compliance for all models.		No information available

End-to-End Loan Origination Workflows Configurable, automated workflows for credit product origination.		Automated and configurable workflows for origination are a key part of system value.
Automated Decisioning Rules engine for automated credit decisions based on risk policy.		Rules engine automates credit decisioning, as described in solution overview.
Manual Review Support Features to route flagged applications for human review.		Manual review process can be invoked for flagged applications.
Bulk Upload/Decision Processing Supports bulk uploads and batch decision-making.		No information available
Credit Policy Rule Editor Enables subject matter experts to create or update credit rules without coding.		No information available
Turnaround Time Monitoring Tracks average time to complete decision workflows.		No information available
Exception Handling Automated handling of exceptions and outliers within workflows.		No information available
Automated Documentation Automatic generation and storage of loan application documents.		Automated documentation and archiving for decisions, standard for high-compliance financial platform.
Audit Logs for Decisions Comprehensive logging of all actions taken in the workflow.		Audit logs are included for workflow decisions to support compliance/audit.
Configurable Approval Hierarchies Customizable multi-level approval paths for credit decisions.		No information available
Workflow SLA Tracking Track compliance with service-level agreements for workflow steps.		No information available
Automated KYC/AML Checks Integrated customer due diligence checks and automated sanctions screening.		No information available
Notification Engine Automated notifications for workflow milestones or escalations.		No information available
Multi-product Origination Support Workflows accommodate support for various credit products (loans, cards, etc.).		No information available

Dynamic Limit Assignment Automatically assigns or adjusts credit limits based on risk assessment and exposure monitoring.		No information available
Real-time Limit Monitoring Continuous monitoring and alerting of limit breaches or exposures.		No information available
Consolidated Group Exposure Tracking Ability to aggregate exposures across related parties or group entities.		No information available
Credit Line Utilization Reporting Reports on proportion of credit lines currently drawn.		No information available
Covenant Monitoring Tracks compliance with loan covenants and triggers alerts for breaches.		No information available
Collateral Management System tracks collateral pledged against credit exposures.		No information available
Limit Exception Approval Workflow for approving temporary or permanent exceptions to limits.		No information available
Portfolio Concentration Tracking Monitors concentration risk by industry, geography, or obligor.		No information available
Single Obligor Exposure Cap Defines and enforces exposure caps on individual counterparties.		No information available
Global Limit Hierarchy Support Supports hierarchical limits (e.g., parent, subsidiary, group levels).		No information available
Exposure Calculation Frequency Frequency at which exposures are recalculated.		No information available
Limits by Product Type Limit management differentiated by loan, credit card, trade finance, etc.		No information available
Exposure Breach Alerts Automated real-time notifications when limits are breached.		No information available
Adjustment Audit Trail Comprehensive database of limit changes and approval actions.		No information available

Standard Risk Reports Built-in templates for regulatory and management risk reporting.		Standard and regulatory risk reporting templates are referenced in documentation.
Customizable Dashboards User-configurable dashboards for KPIs, trends, and alerts.		User-customizable dashboards and KPI widgets featured in UI screenshots.
Drilldown Analytics Ability to drill into reports to analyze individual or segment-level risk.		No information available
Portfolio Segmentation Segment portfolio by risk grade, product, geography, or other dimensions.		No information available
Delinquency Tracking Automatically tracks and reports on delinquency across products/segments.		No information available
NPL (Non-Performing Loan) Analysis Identifies, tracks and reports on non-performing exposures.		No information available
Vintage Analysis Cohort analysis for loss and delinquency by origination date.		No information available
PD/LGD/EAD Trending Visualizes trends of risk parameters over time.		Trending and time series analysis for PD/LGD/EAD metrics are part of PowerCurve analytics.
Data Export Capability Ability to export analytical data to Excel, PDF, or other formats.		No information available
Automated Report Scheduling Supports scheduling and automatic delivery of key reports.		No information available
Regulatory Report Templates Includes templates for Basel, IFRS 9, or local regulatory frameworks.		No information available
Custom KPI Definition Users can define and report on custom risk KPIs.		No information available
Visualization Tools Interactive graphs, heatmaps, and other visualization features for reporting.		No information available
Portfolio Size Capacity Maximum number of credit accounts the analytics can support.		No information available

Basel Framework Support Compliant with Basel II/III for risk weighting, capital allocation, reporting, etc.		Basel II/III compliance and supporting calculations confirmed in official datasheets.
IFRS 9/CECL Compliance Supports provisioning and impairment calculation in line with accounting standards.		No information available
Comprehensive Audit Logs Maintains immutable audit trails of all significant actions.		No information available
User and Role-Based Access Control Granular permissions and access segregation by user role.		No information available
Automated Regulatory Reporting Automatically generates and submits required regulatory reports.		Automated regulatory reporting is promoted as a built-in feature.
BCBS 239 Data Principles Adherence Designed according to BCBS 239 guidance on risk data aggregation.		Experian platform adheres to global data aggregation standards such as BCBS 239.
Policy and Procedure Documentation Stores and manages documents and evidence for regulatory reviews.		System includes modules for policy/procedure document management.
SOX/Internal Control Support Features that support Sarbanes-Oxley and other internal control frameworks.		No information available
Change Management Logging Tracks and audits all system/configuration changes.		Detailed change management activity logging is standard for regulated environment products.
Third-party Data Feed Accreditation Tracks and archives evidence for accredited data feeds (e.g., credit bureaus).		No information available
Compliance Checklist Templates Editable templates for new compliance requirements.		No information available
Automated Alerting on Policy Breaches Notifications for breaches of compliance or risk policy.		No information available
Data Lineage and Traceability Tools Track source and transformations of any given data point.		No information available
User Action Replay Feature to reconstruct and replay user activity for investigation.		No information available

Collateral Type Categorization Supports management of diverse types of collateral (property, securities, guarantees, etc.).		No information available
Automated Collateral Valuation System automatically updates collateral values based on feeds or periodic revaluations.		No information available
Linkage to Credit Facilities Maps collateral to specific exposures and monitors margin coverage.		Collateral management modules map collateral to exposures and monitor coverage.
Collateral Haircut Application Applies and tracks regulatory or internal haircuts to collateral values.		No information available
Rehypothecation Tracking Tracks rehypothecation or reuse of pledged collateral.		No information available
Expiry and Review Scheduling Automated scheduling of collateral expiries and revaluations.		Automated scheduling of collateral review and expiry is available with integration.
Integrated Insurance Tracking Tracks insurance status related to physical collateral.		No information available
Collateral Deficiency Alerts Automated alerts when collateral falls below required thresholds.		No information available
Document Repository Centralized, secure repository for collateral documents.		No information available
Valuation Vendor Integration Integrates with third-party providers for independent valuations.		No information available
Collateral Concentration Reporting Reports on concentration risks arising from reliance on certain collateral types.		No information available
Collateral Utilization Metrics Measurement of how much collateral is being used relative to requirements.		No information available
Moveable Collateral Registry Interface Integrates with external registries for pledges over movable property.		No information available
Lien Management Tracks and updates priority of security interests and liens.		No information available

Real-time Alerts on Risk Triggers Instant alerts on breach of key borrower or portfolio risk metrics.		No information available
Customizable Early Warning Indicators Users can configure risk indicators tailored to local or portfolio needs.		No information available
Integration with External Data Providers System connects to real-time feeds for news, market data, credit events.		No information available
Automated Customer Monitoring Automated tracking of changes in a borrower's behavior or profile.		Automated ongoing customer behavior/risk monitoring integrated with major workflows.
Portfolio-Level Heatmaps Visual heatmaps of risk at obligor, industry, or region level.		No information available
Automated Re-grading System automatically re-grades borrower risk as new data arrives.		No information available
Exception and Escalation Workflow Case management for escalated or exceptional exposures.		Case management tools provided for monitoring and escalation workflows.
Customizable Watchlists Manage lists for at-risk entities or sectors.		No information available
Audit Logs for Monitoring Actions Complete record of all monitoring actions and interventions.		No information available
Integration with Collections/Recovery Modules Triggers transition to collections or workout activities.		No information available
KPI Monitoring Dashboard Aggregated risk KPIs and trends available to risk managers.		KPI and monitoring dashboards for risk managers are shown in UX demos.
Data Refresh Frequency How frequently monitored data is updated.		No information available
Adverse Media Alerts Alerts triggered by negative news or external events about clients.		No information available
Documented Remediation Actions Logs and tracks remedial steps taken when issues are detected.		No information available

Web-based User Interface Accessible anywhere through standard web browsers.		PowerCurve is web-based, accessible via browser, as noted in product materials.
Role-based Dashboards Customizable home screens/dashboards for different user roles.		Customizable dashboards by user/role are standard in the PowerCurve UI.
Multi-language Support User interface available in multiple languages.		Multilingual and localization support highlighted in system specifications.
Accessibility Compliance Meets standards for accessibility (e.g., WCAG compliance).		No information available
Mobile Compatibility Optimized for use on tablets and smartphones.		Mobile compatibility for tablets and smartphones is present in PowerCurve product materials.
Customizable Navigation Users can customize menu layouts and shortcuts.		User-customized navigation and menu layouts supported by configurable UI.
In-app Help and Tutorials Embedded help, tooltips, tutorials for self-directed learning.		No information available
Personalized Notification Settings Users configure alert preferences for risk or workflow triggers.		No information available
User Feedback Mechanism Users can provide feedback from within the application.		No information available
Bulk Action Support Perform actions on multiple records in one operation.		No information available
Quick Search/Filtering High-performance search and filtering for large datasets.		No information available
Custom Field Layouts Users or admins can change how fields are laid out for ease of use.		No information available
Notification Latency Time it takes to deliver notifications after a trigger event.		No information available
Concurrent User Support Maximum number of simultaneous active users.		No information available

Open API Availability Supports REST/SOAP APIs for connecting to existing systems.		Open API access (REST/SOAP) is featured to support integrations.
Batch File Interface Supports scheduled batch imports/exports for legacy systems.		No information available
Pre-built Connectors Standard integrations with common banking, ERP, or CRM solutions.		No information available
Plug-in/Extension Framework Developers can build and plug in custom modules to extend functionality.		No information available
Third-party Data Integration Easily connects to credit bureaus, trade repositories, market data, etc.		No information available
Cloud and On-premises Deployment Options Deployable on public cloud, private cloud, or on-premises infrastructure.		No information available
Single Sign-On (SSO) Support Integrates with firmwide identity platforms for seamless user access.		Single sign-on is supported via integration with enterprise identity providers.
Webhooks/Notification APIs Push external notifications/integrations in real time.		No information available
API Rate Limits Max number of API calls supported per second.		No information available
External Workflow Connector Supports orchestrating workflows that span multiple systems.		No information available
Sandbox/Testing Environment Includes non-production environment for integration testing.		No information available
Custom Field Mapping Custom mapping of fields for data integration projects.		No information available
System Uptime SLA Guaranteed system uptime as per SLA.		No information available
Change Notification Mechanism Notifies integrated systems when data or configuration changes occur.		No information available

Multi-factor Authentication Requires multiple means of authentication for access to sensitive functions.		Multi-factor authentication is available for user access and sensitive operations.
Anomaly Detection Engine Automatically detects workflow or transaction anomalies.		No information available
Role-based Access Controls Restricts access to data and functions based on user role.		No information available
Data Masking Sensitive data is masked for unauthorized or lower-privilege users.		Sensitive data is masked or redacted for specific user groups.
Automated Transaction Screening Monitors for suspicious or out-of-pattern activity in real time.		No information available
IP Whitelisting / Access Restriction Limits access to the system from permitted IP addresses only.		No information available
Fraud Scoring Integration Interfaces with external or internal fraud scoring models.		No information available
Security Event Logging Comprehensive log of all security-relevant events.		Security event logging and audit trails are fundamental to the product's compliance features.
Automated Lockout on Breach Automatically blocks accounts/sessions after repeated failed access.		No information available
Vulnerability/Penetration Testing Tools Embedded or supported tools for periodic security assessments.		No information available
Data Loss Prevention Controls and monitors potential data leaks or unauthorized exports.		No information available
Regulatory Security Certifications System meets standards like ISO 27001, PCI DSS, or similar.		No information available
Incident Response Workflow Documented workflow for security incident management.		No information available
Threat Intelligence Feed Integration System ingests global threat intelligence to flag new risks.		No information available

Implementation Service Availability Professional services available for configuration, data migration, and go-live.		No information available
Onboarding and Training Support Comprehensive onboarding, user, and admin training programs.		No information available
24x7 Technical Support Round-the-clock support available for production incidents.		No information available
SLA for Issue Resolution Documented service-level commitments for incident closures.		No information available
Comprehensive Knowledge Base Self-service repository for documentation, FAQs, and troubleshooting.		No information available
Regular Product Updates Frequent release of security patches and new features.		No information available
Customer Community/Forum Online forum to interact with fellow users and product experts.		No information available
Dedicated Account Manager Named contact at the vendor for ongoing relationship management.		No information available
Migration Tools Automated tools for migrating from legacy systems.		No information available
Performance Monitoring Dashboard Vendor provides dashboard to track system health and performance.		No information available
Escalation Pathways Well-documented procedures for urgent issue escalation.		No information available
User Group Events Periodic in-person or virtual events for product users.		No information available
Third-party Implementation Partner Network Vendor has a certified partner network for local or specialized deployments.		No information available
Customer Satisfaction Surveys Regularly solicits and acts upon customer feedback.		No information available

Multiple Data Source Support Ability to ingest data from various internal and external sources (core banking, bureaus, APIs, etc.)		The platform supports ingestion from core banking, bureaus, APIs, etc. (Multiple Data Source Support).
Real-Time Data Processing Capability to process new data as it arrives without manual intervention.		Real-time processing ability is frequently highlighted in solution summaries.
Historic Data Import Ability to import and process historic records for trend analysis and model training.		No information available
Data Quality Checks Automated checks for completeness, accuracy, and validity of input data.		No information available
Data Enrichment Ability to supplement raw data with external metadata (e.g., credit scores, economic indicators).		No information available
Batch Data Processing Speed Speed at which large batch data files are processed.		No information available
Automated Data Mapping Automatic mapping of data fields from various sources to internal formats.		No information available
Support for Unstructured Data Capability to ingest and use unstructured or semi-structured data sources (e.g., PDFs, emails).		System can process PDF, email, and other unstructured or semi-structured data through connectors.
APIs for Data Integration Availability of APIs to push or pull data programmatically.		APIs for data integration (REST/SOAP) promoted for ecosystem and partner access.
Data Retention Management Configurable rules for storing or purging old data in compliance with policies.		Data retention management and policy configuration are built-in to support GDPR/other requirements.

Automated Credit Scoring Ability to score applicants through rules or machine learning models automatically.		Automated credit scoring (rule- and model-based) is a core driver of PowerCurve value.
Customizable Model Development Support for building and deploying custom scoring models.		Custom model development and plug-in capability described in detailed solution brief.
Out-of-the-Box Models Provision of pre-built, industry-standard risk models.		No information available
Model Validation Tools Integrated tools for back-testing and validating models.		No information available
Explainability/Interpretability Features for explaining and interpreting model decisions (e.g., feature importance reporting).		Tools for credit model explainability and interpretability included in model management features.
Batch Scoring Capacity Volume of loans/applicants that can be scored in bulk per hour.		No information available
Real-Time Scoring Capability Support for real-time risk scoring during loan application flows.		Supports real-time risk scoring as part of loan decisioning, confirmed on product page.
Champion/Challenger Testing Ability to run parallel models for performance comparison.		No information available
Model Drift Detection Automated monitoring for changes in model performance over time.		No information available
Scorecard Builder Tools to visually build and modify credit risk scorecards.		Visual scorecard builder shown in product marketing and technical showcase.
Risk Segmentation Automated grouping of borrowers into risk categories for differentiated treatment.		Risk segmentation and risk grouping demonstrated within PowerCurve user experience overview.

Portfolio Risk Analytics Analysis of risk concentration and exposures across loan portfolios.		Portfolio analytics across segments/products is standard PowerCurve capability.
Early Warning Signals Automated identification and flagging of accounts exhibiting increased risk.		System detects and flags early warning risk signals automatically.
Automated Alerts and Notifications Configurable automated notifications for risk breaches or parameter changes.		Automated alerts and notifications for workflow events and risk triggers are described in product literature.
Customer Behavioral Monitoring Analysis of borrower behavior patterns for risk signals.		No information available
Stress Testing Tools Simulation of economic scenarios to assess impact on portfolio risk.		Stress testing tools for simulating economic shocks are integral to the system offering.
Limit Management Automated tracking and enforcement of risk limits and thresholds.		Limit management for risk enforcement and automated tracking is core to PowerCurve.
Real-Time Exposure Calculation Ability to calculate current exposure on an ongoing basis.		Real-time exposure calculation is supported as part of exposure/limit management features.
Credit Line Utilization Monitoring Tracking of credit line usage vs. sanctioned limits.		Credit line utilization monitoring and reporting offered as part of exposure analytics.
Remedial Action Tracking Management and tracking of actions taken for risk mitigation.		Remedial action and tracking support offered in workflow/case management module.
Dashboard Refresh Rate How frequently the monitoring dashboards update for users.		No information available

Workflow Customization Ability to configure and customize approval/rejection workflows.		Workflow customization and configuration supported without coding.
Rule-Based Decision Engine Incorporation of business rules for automated decision-making.		Rule-based decision engine is foundational to PowerCurve's automation.
Document Verification Automation Automated extraction and verification of applicant documents.		Automated document verification included via API and third-party integration options.
Exception Handling Mechanisms Automated processes for handling non-standard cases or exceptions.		No information available
Decision Audit Trail Comprehensive logging of decisions with supporting data.		Decision audit trail provided for regulatory and internal transparency.
Decision Turnaround Time Average time for automated decisioning to complete.		No information available
Automated Decline and Offer Generation Generation of custom offers or decline reasons automatically.		No information available
Manual Override Capability Ability for authorized users to override automated decisions.		No information available
Multi-Stage Approval Processes Support for multi-level approval, escalation, and review.		No information available
Configurable Decision Trees Visual tools for defining and managing credit decision logic.		No information available

Basel Compliance Support Pre-configured workflows and calculations adhering to Basel II/III/IV standards.		Basel compliance support and pre-configured workflows described in product datasheet.
Internal Ratings-Based (IRB) Approach Support Ability to implement/internalize IRB approaches in risk rating.		No information available
Automated Regulatory Reporting Generation of standard and customizable regulatory reports.		Automated generation and delivery of regulatory reports is a promoted feature.
Audit Trail for Regulatory Activities Comprehensive historic records for all compliance activities and changes.		No information available
Regulatory Rule Engine Rules engine for implementing changing regulatory requirements.		No information available
Data Anonymization Tools Automated methods to anonymize sensitive personally identifiable information.		No information available
Compliance Check Automation Automated validation against compliance checklists.		No information available
Regulatory Report Generation Time Speed to generate required regulatory reports.		No information available
Ad-hoc Regulatory Requests Handling Ability to manage unscheduled audits or requests from regulators.		No information available
Change Management for Regulations Structured workflows for implementing and tracking regulatory changes.		No information available

Role-Based Access Control Definition of user roles and permissions for granular access control.		Role-based access controls and permissioning are a core security feature.
Multi-Factor Authentication Support for two-factor or multi-factor authentication for users.		Multi-factor authentication (MFA/2FA) is explicitly available for secure access.
Single Sign-On Integration Ability to integrate with enterprise SSO platforms.		Single sign-on (SSO) via SAML, OIDC, etc. is documented as supported.
Comprehensive User Audit Logs Automated and detailed logging of user actions for audit purposes.		User audit logs are generated for all significant actions and changes.
Data Encryption at Rest/In Transit Encryption of sensitive data both in storage and during transfer.		Sensitive data is encrypted at rest and in motion, as documented in system architecture.
Session Timeout Management Configurable timeouts for inactive user sessions.		No information available
Granular Data Masking Conditional masking or redaction of sensitive data fields.		Granular data masking available for field-level protection based on user/role.
Automated Account Lockouts Automated lockout after repeated failed authentication attempts.		No information available
Real-Time Security Monitoring Automated detection of suspicious behavior and alerting.		No information available
User Administration Dashboard Centralized management of users and permissions.		No information available

Core Banking System Integration Out-of-the-box connectors for core banking platforms.		No information available
Open APIs Public documentation and support for REST/OpenAPI standards.		No information available
Third-Party Data Source Integration Ability to connect with credit bureaus, AML, KYC, and other data providers.		No information available
Cloud-to-Cloud Integration Support for integration with other cloud SaaS/PaaS solutions.		No information available
Custom Webhook Support Ability to trigger custom webhooks upon specific events.		No information available
Batch Import/Export Tools for scheduled or ad-hoc batch data transfer.		No information available
Integration Setup Time Average time taken to configure a standard integration.		No information available
Middleware Compatibility Compatiblity with common middleware/ESB platforms.		No information available
Data Mapping and Transformation Tools Built-in tools for mapping and transforming external data formats.		No information available
Event-Driven Architecture Support Support for event-based system integration and messaging.		No information available

Custom Report Builder Ability for users to build custom reports from available data fields.		No information available
Scheduled Report Delivery Automated scheduling and delivery of reports to user groups.		No information available
Export to Standard Formats Export reports to CSV, XLS, PDF, or other required formats.		No information available
Visual Dashboards Interactive dashboards for data visualization and exploration.		No information available
Real-Time Reporting Reports built upon real-time, always up-to-date data.		No information available
Drill-Down and Ad-Hoc Query Tools Users can explore data in detail and run ad-hoc queries.		No information available
KPIs and Metrics Library Library of common key performance indicators for risk measurement.		No information available
Historical Trend Analysis Automated analysis and visualization of time-based data trends.		No information available
Data Visualization Speed Average render time for complex dashboard queries.		No information available
Role-Based Report Access Access to sensitive or restricted reports is controlled by user role.		No information available

No-Code/Low-Code Customization Users can customize workflows, fields, and screens without writing code.		No information available
Localization/Internationalization Support for multiple languages, currencies, and date formats.		No information available
Custom Field and Form Builder Add or modify input fields and forms.		No information available
White-Labeling Support Ability to apply organization branding (logos, themes, etc.).		No information available
Custom Workflow Definitions Define bespoke processes for credit origination, review, or collections.		No information available
Parameterization of Risk Limits Easily adjust risk limit parameters without code changes.		No information available
Configurable Notification Templates Edit templates for automated communications or alerts.		No information available
Dynamic Business Rules Engine Intuitive management of complex business rules and policies.		No information available
Sandbox/Testing Environment Isolated environment for configuration and change validation.		No information available
Configuration Propagation Time Time required for changes to become effective system-wide.		No information available

Horizontal Scalability Ability to scale out (add servers/instances) to handle growth.		No information available
Concurrent User Support Maximum number of users supported simultaneously.		No information available
Transaction Throughput Peak number of credit applications or updates processed per second.		No information available
High Availability/Failover Automated failover and redundancy to prevent downtime.		High availability/failover capabilities are essential and described in hosting documentation.
Disaster Recovery Support Features enabling recovery from catastrophic failures.		Disaster recovery is part of enterprise-grade deployment and SLAs.
Elastic Resource Allocation System automatically and dynamically adjusts capacity in response to demand.		Elastic, cloud-based resource allocation described for PowerCurve SaaS deployments.
Average Response Time Average user-facing response time for major actions.		No information available
Peak Daily Volume Handling Maximum number of credit assessments processed in a day.		No information available
Performance Monitoring Tools Built-in tools to monitor system metrics and set alerts.		Performance monitoring tools and dashboards are provided as part of vendor support.
Cloud-Native Deployment Optimized for scalable deployment in cloud environments.		Platform is cloud-native and deployed in scalable commercial cloud environments.

User-Friendly Interface Intuitive, visually appealing, and easy-to-navigate UI.		Modern, user-friendly UI promoted in all product demos and customer feedback.
Multi-Device Accessibility Accessibility from desktops, tablets, and mobile devices.		Web/mobile responsive design shown in technical materials and webinars.
Self-Service Portals Portals for customers and/or front-office staff to initiate and monitor applications.		Self-service portals for origination and customer service offered as a differentiator.
Multilingual Support User interface available in multiple languages.		Multilingual user interface is explicitly supported for global deployments.
Contextual Help and Tooltips In-line help options and explanations throughout the app.		No information available
Accessibility (WCAG) Compliance Support for industry standards for accessibility for users with disabilities.		No information available
Guided Workflows and Wizards Step-by-step guides for complex processes.		No information available
Real-Time Feedback Instant feedback and validation as users input information.		No information available
Customizable Dashboard Widgets Users can customize the look and content of their home dashboard.		No information available
Load Time Average time to fully load primary user interface for a typical user.		No information available

Experian PowerCurve Credit Risk Management from Experian

Product analysis by function

Credit Risk Management for Risk Management

Data Integration and Management (7 Yes /8 Known /14 Possible features)

Credit Risk Assessment Engines (3 Yes /3 Known /14 Possible features)

Application and Decision Workflow Management (5 Yes /5 Known /14 Possible features)

Credit Limit and Exposure Management (0 Yes /0 Known /14 Possible features)

Portfolio Analytics and Reporting (3 Yes /3 Known /14 Possible features)

Regulatory Compliance and Governance (5 Yes /5 Known /14 Possible features)

Collateral and Security Management (2 Yes /2 Known /14 Possible features)

Early Warning and Monitoring Tools (3 Yes /3 Known /14 Possible features)

User Experience and Accessibility (5 Yes /5 Known /14 Possible features)

Integration and Extensibility (2 Yes /2 Known /14 Possible features)

Security and Fraud Detection (3 Yes /3 Known /14 Possible features)

Implementation and Support Services (0 Yes /0 Known /14 Possible features)

Data Integration and Input (5 Yes /5 Known /10 Possible features)

Credit Risk Modeling and Scoring (6 Yes /6 Known /11 Possible features)

Risk Assessment and Monitoring (8 Yes /8 Known /10 Possible features)

Decisioning and Automation (4 Yes /4 Known /10 Possible features)

Regulatory Compliance and Reporting (2 Yes /2 Known /10 Possible features)

User Access, Security, and Audit (6 Yes /6 Known /10 Possible features)

Integration and Interoperability (0 Yes /0 Known /10 Possible features)

Reporting and Analytics (0 Yes /0 Known /10 Possible features)

Configuration and Customization (0 Yes /0 Known /10 Possible features)

Scalability and Performance (5 Yes /5 Known /10 Possible features)

Customer Experience and Usability (4 Yes /4 Known /10 Possible features)