Available Data Sources

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No matter what you're verifying, whether identity verification (KYC), fraud prevention, underwriting, or anti-money laundering (AML) checks, you're going to need a lot of data. Fortunately, Alloy has direct access to the top providers.

Select Data Vendors

Data Source	Description	Implementations:
LexisNexis	LexisNexis is a traditional identity vendor with a deep database sourced from public and governmental records.	Fundamental KYC checks (names, dates of birth, SSNs, and current addresses) Access to Sanctions lists Insight into Adverse Media Politically Exposed Persons checks
Iovation	Iovation provides device reputation and metadata for fraud detection and consumer authentication. It uses 3 billion known devices and 30 million detailed fraud reports to define a FraudForce or SureScore.	Machine learning for advanced fraud detection Identifying risky behavior Transactions from proxy servers High-risk locations, IP, and ISP tags
Socure	Socure is an AI, machine-learning identity verification and fraud risk solution. They conduct predictive fraud scoring based on more than 400 online and offline databases with rich behavioral and email address data.	Likelihood of fraudulent identity Likelihood information is being used in a fraudulent manner Flag synthetic, fake, and bot-generated identities
ID Analytics	ID Analytics flags identity velocity and instances of attempted fraud at other institutions. They use a cross-industry network of over a trillion attributes and 4.2 million fraud reports to verify identity.	Using detailed attributes to identify inconsistent or risky features on an applicant’s record Leveraging predictive variables based on recent and historical transactions, confirmed frauds, and third-party data source Leverage alternative credit data to better understand credit health
Ekata (FKA WhitePages Pro)	Ekata increases address verification and significantly signals fraud prevention. They use phone and carrier data attributes across over 5 billion global identity records from hundreds of different sources.	International data verification in over 160 countries Comprehensive US and Canada name, address, phone number, email, and IP match Strong risk profiling and signaling for global phone numbers and addresses

The table above outlines Alloy’s and Narmi’s “Select” vendors, however, Alloy integrates with more than 60 data sources ensuring that your FI can build a custom workflow that makes sense for you based on your size and risk appetite.

To make choosing data sources easier, solutions architects at Alloy have created “data sources bundles.” These bundles create workflows that tend to deliver reliable results for a deposit account opening experience from day one. They are chosen based on their reputation, performance, and whether or not they deliver non-overlapping information from the other vendors. Additional information about these bundles can be found in the Consumer & Business bundles pages.

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Consumer Bundles

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Select Data Vendors