AI-Powered Consumer Score Planner Tool

Optimal Path is a Score Planner tool which recommends behaviors consumers should take over time to help reach a specific credit score goal. This capability embeds easily within any D2C channel and develops score improvement plans for your consumers. The product analyzes a consumers credit file, along with their stated target score and time horizon (3-12 months), to generate personalized plan to help the user reach their target credit score. Unlike other Score Planners & Simulators on the market today, Optimal Path leverages AI to generate recommendations and insights that are specific to each enrolled consumer. Each plan includes monthly targets for the consumer to achieve across 9 behaviors which will contribute towards the stated score goal.
Benefits
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Optimizes Engagement

Unlike other Score Planners and Simulators, Optimal Path is designed for continuous usage. Monthly plans, combined with real-time feedback, will drive recurring engagement from your consumers.

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Demystifies Credit Score Improvement

Optimal Path reduces the complexity of increasing credit scores by crafting monthly improvements plans that are geared to consumer feasibility.

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Delivers a Personalized Experience

In the consumer credit market, it is common to see generalized advice made out to look like is tailored. Optimal Path leverages AI-powered model to create personalized score improvement plans.

Key Features
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      Generates bespoke score improvement plans to help consumers increase their credit scores along a specified time horizon. Plans include 9 monthly targets to hit along with projected points increase associated with each behavior.

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      Delivers feedback to consumers on how they are progressing over time, with emphasis if consumers are hitting their goals over time.

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      Improvement plans can be updated in real-time if consumers decide to change their goals or need to get back on track to their original goals.


NOTE to Developers:

When creating your App, be sure to select Type: B2B2C to access the Consumer Engagement Suite products, as they use a different authentication method.

Use Cases
Optimal Path is for business that want to:
  • Drive engagement among consumers on D2C platforms
  • Helps clarify credit score improvement for all consumers (regardless of credit savviness)
  • Easily integrates into your D2C/Employee benefits platform to support multiple use cases

Optimal Path is for:
  • D2C Platforms: Embed leading Credit Coaching seamlessly into your Direct-to-Consumer channels
  • Financial Services: Demystify credit score improvement for your consumers
  • Lenders: Drive engagement from prospective borrowers with personalized score improvement plans
  • Employers: Bolster your Employee Benefits package with market-leading Credit Coaching

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