Enhance Credit Decisions, Promote Financial Inclusion and Expand Your Addressable Market
Using alternative data to strengthen credit risk assessment and support fairer, more accessible lending.
Download the BrochureA Limited View of Consumer Behaviour Means a Limited View of Risk
Between evolving consumer expectations, intensifying market competition and mounting economic pressures, balancing portfolio growth with effective risk management is more complex than ever. Organisations relying solely on traditional credit bureau data may be overlooking vital predictive insights that can enhance their ability to make informed, inclusive and resilient lending decisions.
1 in 8 adults can be defined as potentially financially stressed in the UK1
15.3M (28%)
adults in the UK applied for credit in 2024 —
up from 12.8M (24%) in 20222
up from 12.8M (24%) in 20222
3.2M (22%)
applicants were refused — a marginal
improvement from 24% in 20222
improvement from 24% in 20222
15%
of those initially refused successfully
secured credit elsewhere2*
secured credit elsewhere2*
*While some refusals may reflect higher-risk applicants, this suggests untapped potential for lenders willing to look deeper
Harness the power of LexisNexis® RiskView™ UK alternative data to assess
individuals more thoroughly
RiskView™ UK goes beyond traditional credit reference histories to provide a second layer of risk assessment that augments a typical
Credit Bureau score. Our solution leverages alternative credit data like high-cost short-term loan or online lending data, plus
non-credit event data like asset ownership or property data, to reveal a more complete view of a consumer’s circumstances.
Credit Bureau score. Our solution leverages alternative credit data like high-cost short-term loan or online lending data, plus
non-credit event data like asset ownership or property data, to reveal a more complete view of a consumer’s circumstances.
The result? A risk assessment that assesses stability, willingness and ability to repay.
RiskView™ UK supports credit prescreening, new credit applicants and ongoing customer monitoring
Delivered via API, batch and web UI (User Interface), RiskView™ UK can be used across the customer lifecycle for a better view of risk, affordability, financial stress or vulnerability. By building key datasets and providing access to 2.69B active records, 57.6M unique UK IDs and 750+ attributes, RiskView™ UK helps you to:
Unlock new opportunities
with a more accurate assessment of financial capability.
with a more accurate assessment of financial capability.
Enhance understanding
of consumer risk to reduce exposure to losses and potential harm.
of consumer risk to reduce exposure to losses and potential harm.
Strengthen market position
by offering consumers fair and
highly competitive pricing.
by offering consumers fair and
highly competitive pricing.
Drive better outcomes with deeper portfolio insights that support proactive consumer engagement.
Use more data for a more complete view of
customers to inform credit risk assessments
Unlike risk scoring products from traditional Credit Reference Agencies, RiskView™ UK does not require consumers to have a previous credit history to provide a risk score and assessment. Instead, it leverages alternative information from our extensive data sources, connects it to customer profiles using advanced statistical linking and uses predictive analytics to help support better, fairer credit risk decisions.
A person-centric data universe with LexID®
Get a 360 degree view of consumers by using advanced analytics and innovative linking technology for better identity management.
Vast public records and data resources
The reliability and scale of LexisNexis® Risk Solutions
data resources include more than 20 years of referential
data created from almost three billion consumer
records, with new information continuously added.
data resources include more than 20 years of referential
data created from almost three billion consumer
records, with new information continuously added.
Powerful dynamic linking
Our proprietary LexID® linking technology uses
multi-patented machine learning algorithms
to match and connect disparate information
about an identity and assigns a unique identifier
with greater precision.
multi-patented machine learning algorithms
to match and connect disparate information
about an identity and assigns a unique identifier
with greater precision.
Accurate matching, persistent ID
Each LexID® profile is continuously updated as
new records are ingested, creating a persistent
and extremely accurate picture that accounts
for identity change over time.
new records are ingested, creating a persistent
and extremely accurate picture that accounts
for identity change over time.
Comprehensive LexID® entity database
The LexID® entity database manages information
on more than 57.6 million UK consumer entities.
on more than 57.6 million UK consumer entities.
Product foundation
Our LexID® technology is the fundamental engine that fuels the LexisNexis® Risk Solutions portfolio of products.
Unlock smarter lending decisions with RiskView™ UK
30% of high-risk customers discovered to be lower risk*
*Un-booked population classified high risk by CRA score
RiskView™ UK can be used to identify new opportunities
Using historic customer data from a motor finance lender, we were able to apply a RiskView™ UK model to a segment of consumers that
had applied for a loan but subsequently didn’t take it up. Of the consumers in this group that were classed as high risk by a traditional
Credit Bureau score, 30% were identified by RiskView™ UK as low risk. If the lender had these insights available at the point of lending,
had applied for a loan but subsequently didn’t take it up. Of the consumers in this group that were classed as high risk by a traditional
Credit Bureau score, 30% were identified by RiskView™ UK as low risk. If the lender had these insights available at the point of lending,
they could have offered more favourable rates and won more business from these consumers.
Refine swap-in/swap-out strategies
Gain deeper insights into opportunity and risk so you can shift resources away from high-risk applicants and toward low-risk candidates who may be wrongly excluded by traditional assessments.
Gain deeper insights into opportunity and risk so you can shift resources away from high-risk applicants and toward low-risk candidates who may be wrongly excluded by traditional assessments.
Evaluate more applicants
Assess creditworthiness for consumers with little or no traditional credit history, expanding your reach to underserved but potentially reliable borrowers.
Assess creditworthiness for consumers with little or no traditional credit history, expanding your reach to underserved but potentially reliable borrowers.
Inform risk-based pricing
Execute risk-based pricing strategies with greater precision to tailor pricing to each applicant’s true risk profile.
Execute risk-based pricing strategies with greater precision to tailor pricing to each applicant’s true risk profile.
Make more informed credit decisions with RiskView™ UK
Contact us to get started
1. LexisNexis® Risk Solutions Financial Inclusion Report
2. Financial Conduct Authority, 2025. “Financial Lives 2024.” https://www.fca.org/uk/financial-lives/financial-lives-2024
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