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Decisioning

MAKES DECISIONS FOR YOUR SUCCESS – AUTOMATICALLY

MAKES DECISIONS

FOR YOUR SUCCESS –

AUTOMATICALLY

Decisioning

Fewer bad debts, lower risks and more success! With our solutions for automated identity, risk, creditworthiness and fraud assessments.

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Boniversum Decisioning

Can you automatically trust an unknown customer?

Every online retailer has to decide whether they can trust a new customer without compromising the customer experience. In e-commerce, this starts with digital onboarding: customers want to place their order quickly, use a wide range of payment methods and receive their delivery quickly. At the same time, identity and creditworthiness must be checked. Real-time risk checks offer customized decisions based on decision-making analyses.

AI-supported decision-making for optimal customer benefit

Traditional fraud prevention systems often reject too many genuine customers, resulting in a significant loss of revenue. Intelligent, AI-powered decisioning systems use diverse data and artificial intelligence to detect fraud more accurately and increase the acceptance rate. As a result, genuine and solvent customers receive positive offers in real time without compromising their shopping experience.

Boniversum Kompetenzbubble zum Produkt Decisioning

The bottom line is: more customers and more sales

Optimized performance

Smooth customer journey

The check runs quickly and easily in the background, without media disruption and without additional effort for your customers. This way, you offer the right customers all the options - for better conversion rates.

More influence

Self-controlled success

With your own control of the decision parameters, you can even control your sales and success at shopping cart and item level. For the balance between maximized sales and up to 15% more turnover.

More time

Significantly reduced manual checks

The Boniversum decision-making systems reduce your manual checks by up to 90% with clear and reliable decisions and free up your team for new tasks.

Automated secured success

Recognize fraud and identify customers precisely

Boniversum Decisioning not only enables you to better detect fraud attempts, but also to identify legitimate customer transactions more precisely. In addition to pure customer data, the evaluation also includes shopping cart information, customer history, identification solutions and our unique creditworthiness data.

This ensures a more reliable verification of transactions without compromising the user experience. Crucial for striking the right balance between increasing sales and effective fraud prevention.

Real-time decisioning system: The values for the specified person are transmitted immediately.
Optimized customer journey: The check runs quickly and easily in the background, without media discontinuity and without additional effort for your customers.
Reliable assessment: With our data, you can immediately assess creditworthiness and risk – for an optimal customer journey.
Quickly implemented: Your systems can be connected easily and quickly to our decisioning system via standardized interfaces.

CUBE - The risk optimisation platform

Modular AI-supported risk management for greater success

Flexible, scalable and perfectly customisable to your specific requirements. CUBE is the platform for process control and decision-making - for your active risk management with more efficient sales increases.

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Automatic quick decision

Transactions and customers are checked at several levels and securely evaluated

High confirmation rates – low default risk

Based on our exclusive, cross-sector data pool, we can make reliable statements about your new customers. This is because our data represents a cross-section of the population, including your customers!

From address verification and identification to checking creditworthiness and monitoring your customers: We offer the perfect solution for every requirement to optimize your specific risks.

The valuable payment experience of our customers from numerous sectors creates a particularly broad database. The payment experience of our many e-commerce customers is also relevant for other sectors, especially when it comes to negative data due to unpaid invoices. This is supplemented by Creditreform's exclusive data including a huge debt collection database and information on links between private and commercial customers. The multi-layered microm geodata is also included in the data pool.

And the best part:

You can combine our solutions and data on a modular basis – for the services that best suit your business.

Own address data and other linked data sources
Identification data
Exclusive data of the Creditreform Group: debt collection information, outstanding titled claims, data on company holdings of private individuals and much more
Payment experiences of Boniversum customers (negative and positive)
Cross-industry data pool
Public data of the local courts
Socio-demographic data based on microm geodata
Integrated decision-making systems

Talk to our experts now about the right solution for you

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Free data check

Avoid payment defaults

During a free data check, we enrich your customer data with our cross-industry information and show you the evaluation in graphic form. You can see at a glance the percentage of people in your test file who are known to us and for whom we have negative payment experiences. With this information, you would probably have made some decisions differently. Sounds interesting? Then feel free to contact us!