Streamlined Data Orchestration
for Smarter Lending
Access to the right data can make the difference between a good decision and a missed opportunity. But integrating, maintaining, and managing dozens of data providers can create unnecessary complexity, cost, and operational burden.
That's why data orchestration is a foundational component of the GDS Link Decisioning Platform.
Connect to more than 200 pre-configured credit, fraud, banking, identity, and alternative data sources through a single integration framework. By simplifying connectivity and reducing integration overhead, lenders can accelerate implementation timelines and focus on making better decisions.
Quicker Processes
for Quicker Results
Greater accuracy and efficiency
Access credit, fraud, banking, identity, and alternative data sources through standardized integrations that help reduce manual processes and improve consistency across decision workflows.
Faster time-to-market
Launch new data providers more quickly using pre-configured integrations and reusable connectors that reduce implementation effort and accelerate deployment timelines.
Reduced technical debt
Centralize the management of data integrations and reduce the need for custom point-to-point connections, lowering maintenance requirements and freeing development resources for higher-value initiatives.
Data Exchange
Powerful Data Orchestration for Smarter Decisions
Data Exchange provides a centralized framework for connecting and managing hundreds of data providers, including credit bureaus, fraud solutions, banking platforms, identity providers, and alternative data sources. By simplifying integration management, lenders can accelerate implementation while maintaining flexibility as business needs evolve.
Connect Internal and External Data Sources:
Integrate credit bureaus, fraud providers, core banking systems, open banking platforms, and proprietary internal data within a single orchestration framework.
Accelerate Decision-Making with Better Data Access:
Deliver relevant data to decision workflows efficiently and consistently, helping teams make more informed lending decisions.
Scale Connectivity Without Increasing Complexity:
Expand data ecosystems through reusable integrations and centralized management that support changing business requirements over time.
Open Banking Attributes
See Beyond Traditional Credit Data
Open Banking Attributes provide access to consumer-permissioned banking insights, helping lenders better understand cash flow, income patterns, account activity, and overall financial behavior.
Verify Income and Cash Flow:
Analyze income deposits, recurring expenses, and transaction activity to support affordability assessments.
Evaluate Thin-File Consumers More Effectively:
Supplement traditional bureau data with additional financial behavior insights.
Improve Risk Assessment:
Incorporate banking activity and account-level trends into lending decisions.
GDS Link Tri-Bureau Leveled Attributes
Normalize Credit Data Across All Three Bureaus
GDS Link Tri-Bureau Leveled Attributes provide access to more than 7,000 normalized and standardized credit attributes derived from the major credit bureaus, enabling more consistent borrower evaluation and strategy development.
Standardize Bureau Data:
Normalize credit information from multiple bureaus into a consistent structure for easier analysis and decisioning.
Expand Borrower Insight:
Access thousands of credit attributes spanning utilization, payment behavior, balances, inquiries, delinquency trends, and more.
Improve Strategy Consistency:
Reduce data discrepancies and simplify strategy development using standardized credit information.
“GDS Link enabled us to scale efficiently, with real-time underwriting and API integration for instant loan decisions at the point of sale. This partnership has been crucial in expanding our market reach and offering embedded financial services.”
Josh Williams, EVP and Chief Banking Officer, Seattle Bank
,Solve the Data Orchestration Challenge
From business analysts to developers, give all your users effortless, real-time access to critical data – accelerating time to market, reducing technical debt, and enhancing decision-making.
