Validated Total Income
Validated using our unique set of context data, Pulse returns a USD value for the gross income that a consumer receives, or has reasonable expectation of access to.
Pulse from Aire delivers rapid, actionable insight on the current financial situation of your existing customers, fast.
Building the new normal in consumer credit
Non-discretionary expenditure
An individualized view of expenditure that gives greater insight into a consumer’s ability to service additional debt, and withstand shocks.
Measure of Engagement
Pulse helps to prioritise your outreach by measuring the level of interaction of your customers.
Make manual outreach obsolete
Pulse does the hard work for you, helping you save up to $78 per existing customer.
Easy outreach
Tell us who you need to reach and Pulse gets to work, reaching out to your customers via personalised SMS and email.
One digital conversation
Ready to complete online and at their convenience, our Interactive Virtual Interview arrives with your customers.
A unique, holistic picture
Pulse gathers the most up to date insight on your customer’s current financial situation, as it happens.
Rapid, actionable insights
Analysed and interrogated, a unique set of insights are delivered back to inform credit decisioning, from credit limit increases to debt restructuring.
Clearer insight
A credit pulse check that better protects your existing loan book, Pulse provides ability to pay indicators alongside actionable measure of engagement insight.
Digital outreach
Remove the cost and inconsistency of manual customer management processes by replacing lengthy, individual phone outreach with a single digital solution, built with your customer at its heart.
Fully auditable
Strengthen your regulatory evidence of compliant account handling, even if things change rapidly for your existing customers.
Built to reflect current regulation
Compliance
Pulse delivers fully auditable credit insight for lenders, built specifically to comply with FCRA, ECOA and other consumer protection laws.
Model governance
Pulse insights follow a model governance process that provides lenders with the required documentation FDIC or internal audit. Insights generated do this by following a set of recorded steps, including our approach to validation.
Consumer first
Aire operates as a consumer reporting agency under FCRA, and offers consumers appropriate methods to access and query their data.
See how we interact with your customers here.
Your US team
Expertise in US regulation, product development and partnerships.
Tom Oscherwitz, US Counsel and Market Lead
Daniel Bhugon, Lead Product Manager
Ben Harvey, Sales lead
Get started in just days
With no integration required, fast track your approach to keeping pace with your existing customers with Aire. Leave your details below and we’ll be in touch to tell you more.