FactorTrust and Enova Decisions Partner on Predictive Data

Alternative Credit Data Facilitates Lending Options for Consumers

FactorTrust®, the Alternative Credit Bureau™, today announced a partnership with leading predictive analytics and digital decisioning company, Enova Decisions™, to integrate FactorTrust's proprietary data into its Colossus™ digital decisioning platform. The integration will strengthen Enova Decisions' platform with additional proprietary data that will result in improved automated, real-time operational decisions for its customers.

Chicago-based Enova Decisions supports numerous industries, including financial services, telecommunications and higher education. The company's data-driven solutions help clients in the financial services industry specifically improve their operational decisions instantly and at scale.

"FactorTrust is proud to assist industry leaders like Enova Decisions with their data needs," said FactorTrust CEO Greg Rable. "Our alternative credit data enables their clients to gather the full picture on likely consumers, thereby extending appropriate credit options to consumers that may otherwise not receive it—a shared goal of FactorTrust and Enova Decisions."

In its 14-year history, Enova, parent company to Enova Decisions, has extended more than $19 billion in credit to nearly five million customers around the world using Enova Decision's advanced analytics and decisioning technology.

"Adding additional non-traditional data is important to our overall data integration strategy," said Enova Decisions Chief Analytics Officer Joe DeCosmo. "FactorTrust's proprietary data helps fill in the gaps that traditional data can't provide—and contributes to our analysis of consumer data in real-time through our tailored analytics, AI and decisioning technology. This further enables our clients to quickly transform their underwriting, offers, payments decisions and more, to deliver a better customer experience and improve business performance."

About FactorTrust

FactorTrust, the Alternative Credit Bureau, is relentlessly dedicated to proven analytics and clean credit information that provide lenders & financial service providers opportunities to grow more revenue, meet compliance regulations and serve more consumers with more credit options. At the core of FactorTrust is alternative credit data analytics and risk scoring solutions not available from the Big 3 bureaus. FactorTrust Alternative Credit Data and Analytics accurately predicts risk and the ability to repay near and non-prime consumer loans in real-time. The company's solutions enable financial service companies an opportunity to uncover creditworthy prospects that are not surfacing via traditional credit sources. Headquartered in Atlanta, the experienced FactorTrust team has delivered unique data and valuable insight to U.S. lenders for more than 10 years. For more information on the quarterly FactorTrust Underbanked Index or the company itself, visit www.factortrust.com. @FactorTrust

About Enova Decisions

Enova Decisions uses tailored analytics, AI, big data, and its on-demand digital decisioning platform, Colossus, to help companies build decision flows that make data-driven operational decisions instantly and at scale. Chicago-based Enova Decisions is part of Enova International, Inc. ENVA, a leading technology- and data-analytics-driven online lending company that operates 10 brands in four countries. Enova now leverages its 14 years of proven technology and analytics expertise to help clients thrive with custom, real-time analytics services and instant data-driven decisions at scale. Visit www.enovadecisions.com to learn more.

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