Credit intelligence
Consent-gated credit data exchange between institutions.
Subjects are de-identified before they cross an institutional boundary, enquiries are logged, and no institution can read another's records without a recorded consent.
Outcomes
What this looks like in operation
Subjects matched on hashed identifiers rather than raw personal data
Every enquiry recorded with purpose, requester and consent reference
Contributed records scoped so no tenant reads another tenant's book
Bureau responses feed directly into credit assessment
Capabilities activated
Only the modules this institution type needs
Exchange
- Subjects
- Contributions
- Enquiries
- Consents
Assessment
- Scoring inputs
- Exposure view
- Decision trail
Control
- Consent gates
- Audit
- Access policy
Workflow
End-to-end, with an audit trail at every step
Consent
Captured
Subject
Hashed
Enquiry
Logged
Record
Returned
Decision
Scoring