Question: Can you suggest a platform that provides alternative credit data to help me make more informed lending decisions?

If you're looking for a platform that offers alternative credit data to help you make more informed lending decisions, Envestnet | Yodlee is a good option. The financial data aggregation platform offers access to more than 17,000 data sources around the world, including alternative credit data. It offers insights into customers' financial lives through AI-powered financial experiences, transaction data enrichment and customizable financial applications. Its bank-level security and compliance make it a good option for a variety of lending use cases.

Another good option is Ocrolus, a Document AI platform that can classify, extract and analyze financial documents with high accuracy. It can automate the analysis of documents to help lenders assess risk and prevent fraud, with machine learning-based classification, computer vision and human validation-based data extraction. By processing a broad range of document types, Ocrolus can offer detailed insights into cash flow and income, and is particularly well-suited for industries like mortgage, auto lending and small business lending.

Plaid also offers a useful platform for linking users' financial data to apps and services. It offers features like real-time balance verification, 24 months of categorized transaction data and point-in-time snapshots of financial profiles. It's geared for personal and business finances, but Plaid's powerful API and global coverage make it a good option for lending, too.

If you're more interested in risk management, you might want to check out LexisNexis Risk Solutions. The platform offers a range of risk management information, including credit risk assessment and fraud management. It uses a large database of public and proprietary information to help companies assess and mitigate risk, ensure compliance and identify opportunities for growth. Its advanced analytics and linking technology can help you make more informed lending decisions.