Financial Insights Evaluates Risk Tools for the Emerging Credit Markets Report Reviews Marketing and Risk Analysis Tools for Evaluation of Thin File/No File Consumers

FRAMINGHAM, MA – January 31, 2005 – A new report by global independent research and advisory firm Financial Insights describes risk analysis tools and services that can assist retail financial institutions with evaluating underserved credit consumers in the United States through various marketing and underwriting business processes. This report compares eight providers' business models and target business areas and evaluates the data sources, decision support tools and consumer services that form part of each offering.

"Expansion into emerging consumer credit markets has been a strategic business initiative among the largest and most aggressive U.S. creditors for several years already. The arrival of new analytical tools designed to help banks and credit card businesses automate and standardize the evaluation of consumers in these markets follows this strategy ", says Sophie Louvel, research analyst at Financial Insights and author of the report.

"Retail financial institutions leverage many of the analytical tools covered in this report at various stages of the customer lifecycle except at the loan underwriting stage. This may change as a result of the introduction of three new alternative credit based risk tools that have been designed to meet the underwriting standards of lenders and investors."

The report includes an evaluation of three recently introduced credit risk tools designed to automate and standardize non traditional underwriting processes, or processes creditors must follow when consumers have very limited to no credit history. This market players report reviews providers such as: Fair Isaac & Co. Inc., Experian, LexisNexis, ChoicePoint, First American, Equifax, Pay Rent Build Credit, and eFunds.

For more information on obtaining this report, Consumer Risk Analysis Tools for Emerging Credit Markets (http://www.financial-insights.com/FI/getdoc.jsp?containerId=FIN1560), please contact sales@financial-insights.com.

About Financial Insights, an IDC Company

Financial Insights provides independent research, custom consulting, and detailed multiclient studies on the technology issues and challenges facing the financial services industry. Our global research covers topics of strategic importance to corporate and retail banks, insurance carriers, asset management firms, securities and brokerage firms. Our local practices in Asia Pacific, Europe, Latin America and Canada add an in-depth regional viewpoint. Financial Insights, an IDC company, is headquartered in Framingham, Massachusetts, USA. IDC is a subsidiary of IDG, the world's leading IT media, research, and exposition company.

For more information visit: http://www.financial-insights.com.

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