Overview
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History
In the beginning, there were people who wanted to borrow money and financial institutions who provided credit. That is about the only thing which has remained the same in the lending industry. Equifax Enabling Technologies has been there every step of the way.
In 1979, Enabling Technologies (formerly APPRO Systems) started reinventing lending. The first of its kind, the original Enabling Technologies system pulled credit reports from the 5 credit reporting agencies and provided the lender with the ability to score an application. With continual improvement over the years, Enabling Technologies led the industry by introducing its “2 Minute Yes!” in 1989 and pioneered point-of-impulse decision-making straight into the 21st century. It’s with that entrepreneurial spirit and innovation that Enabling Technologies continues to operate as the industry leader it is today.
Reinventing Lending
Enabling Technologies is continually reinventing lending by creating technologies that deliver much more than just a score. Enabling Technologies provides the kinds of marketing channels, fulfillment, control, capacity, connectivity, and outsourcing that enable financial institutions of all sizes to move beyond the pass/fail scoring mentality and instantly match the right product to the right customer at the right price.
The target markets for Enabling Technologies' lending technologies are direct and indirect lenders that do business, or need to do business, over traditional and Internet marketing channels. This includes Banks, Credit Unions, Credit Card Companies, Finance Companies, Community Banks, Internet-only Lenders, Internet Intermediaries, Service Bureaus, Equipment Lessors, Small Business Lenders, Home Equity Lenders and more.
Having served these markets for over 25 years, Enabling Technologies has developed a track record for keeping a careful eye on the emerging trends that will impact its customers.
As a result, Enabling Technologies has a long history of industry firsts and innovation. It is because of our history that Enabling Technologies believes lenders are now arriving at a major crossroads in how they will do business in the future and is addressing today's most important issues with the latest technologies.
The Answer: LoanCenter
Enabling Technologies' response to the challenges and opportunities facing lenders is the
LoanCenter family of solutions. LoanCenter lending technologies deliver:
- Highest risk management precision
- Most sophisticated automated decisioning and market-of-one pricing
- Processing of virtually all prime and non-prime consumer loan requests
- Processing of virtually all consumer and small business financial products
- Automatic and effective cross-selling and down-selling of products
- Fulfillment required for closing
- On a single platform, processing of applications from multiple marketing channels: from walk-ins to phone calls to online applications.
Available via site license or at a low, variable cost through its LoanCenter ASP, Enabling Technologies offers top-tier technology to lenders of all sizes, lending to both consumers and businesses. To help our customers maximize the benefits of these technologies, Enabling Technologies also provides consulting and training by certified professionals through its IntelliTrust and Global Customer Training divisions.
To find out more, please see the following:
IntelliTrust - Professional & Consulting Services
