We will recruit 20 institutions to provide historical data for 3 products. The POC will demostrate the level of interest in our approach while identifying data gaps and other technical challenges.

CECL requirements and the goal of fully leveraging data requires that we bring together both the skills and data sources to deliver maximum value at the lowest cost.

As the proof of concept phase wraps up we will begin rollout to other financial institutions who want to leverage their data fully while addressing their CECL needs. All other bank products will be added to our offerings.

Life of loan loss forecasts need to reflect changing economic circumstances. The 'wisdom of crowds' delivers more accurate estimates than any one of us can.

Once we have a broad base of financial institutions we will implement apples-to-apples benchmarks to add to the insights into portfolio mix and segment performance.

Understanding your customer's profitability is crucial to developing successful marketing and targeting strategies with high ROIs. Starting with account level profits we can roll up to customer totals. Historical profitability will be expanded to estimate lifetime customer value.

As the data becomes more robust to include customer contact data we will leverage all the data to offer targeting tools to deepen customer relationships and value.

As the CECL implementation date nears we will ensure that all CECL disclosure requirements are addressed to make pulling together your financial statements as easy and quick as possible.