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TRUSTED DATA

Trusted Insights
Tailored Solutions

Our solutions turn complex data into clarity, giving you the confidence to make smarter decisions.

Leading with insight and capability.

Risk Optimisation

Sharper risk variables and scores built for exceptional performance.

SME Scoring

Credit insight tailored to small and medium businesses.

Real-Time Portfolio Management

Monitor portfolio health the moment it changes.

Collections

Prioritise accounts by affordability and ability to pay.

Marketing Effectiveness

Reach the right consumers with precision.

FICA Compliance

Configurable checks for due diligence and FIC obligations.

Onboarding & Consumer Experience

Faster, smoother approvals for every customer.

Fraud

Real-time detection before threats reach your business.

MYDATA TECHNOLOGY

Credit Data

Data Integration

Risk & Identity Intelligence

Data & Analytics

Cloud-native Platform

The Bureau

SOLUTIONS

Credit Decisioning

Risk & Fraud Protection

Marketing & Outreach

Accounts & Collections

PARTNERSHIPS

Trusted across the industry.

Our ecosystem of best-in-class analytics and technology partners turn data into insights and action that deliver improved business performance.

  • Credeq AI
  • Finintel
  • IRL Consult
  • Datacuity
  • Insight Data Analytics

Business

Make faster, safer
credit decisions.

MyData’s business solutions span the full customer lifecycle, using advanced analytics and scoring models to enable informed decisions, reduce risk, and unlock growth.

Cara AI

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Consumer

See your credit, report free.

Access your personal credit report to understand your credit profile, track your information, and stay in control of your financial health.

23 min

Course

Assessing Talent in an AI World

Solutions

Comprehsive Solutions. Smart Decisions.

Comprehensive Solutions. Smart Decisions.

Built for the teams who connect credit data to real decisions.

01 / 05

Marketing & Outreach.

Reach the right consumers and maximise engagement.

  • Consumer Segmentation

    Target the right consumers with precision using data-driven insights.

  • Cross-Sell & Upsell

    Identify opportunities to grow client value and deepen relationships.

  • Response & Channel Scores

    Predict customer engagement potential across multiple channels.

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Precision Targeting segment: all-consumers segment: young-professionals segment: established-families segment: thin-file All consumers All consumers Young professionals Young professionals Established families Established families Thin-file Thin-file CONSUMER SEGMENTS Young professionals · 38% Established families · 27% Retirees · 9% Thin-file · 14% RESPONSE & CHANNEL SCORE Mobile app 0.72 0.86 0.64 0.81 SMS 0.66 0.74 0.58 0.69 Email 0.61 0.58 0.79 0.37 Call centre 0.52 0.41 0.55 0.29 CAMPAIGN UPLIFT +12% +24% +19% +31% projected response vs. untargeted Illustrative data
02 / 05

Quoting & Underwriting.

Make confident, compliant, and accurate credit decisions.

  • Pulse Variables

    Superset of the best available modelling features

  • Bureau Scores

    Leading predictive credit scores that sharpen risk assessment and power better credit decisions across diverse sectors.

  • Custom Scores

    Bespoke models designed around your target market.

  • Income & Affordability Prediction

    Gain insights into income levels and spending capacity.

  • Payday Prediction

    Accurately forecast upcoming pay dates for informed decisions.

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Credit Decisioning application: APP-2041 application: APP-2042 application: APP-2043 application: APP-2044 APP-2041 APP-2041 APP-2042 APP-2042 APP-2043 APP-2043 APP-2044 APP-2044 MYDATA SCORE 300 850 712 648 781 534 Low risk Medium risk Very low risk High risk BUREAU SCORE 705 662 774 548 INDUSTRY SCORE 731 627 790 512 CUSTOM SCORE 698 655 768 529 AFFILIATION RISK Low Medium Low High AFFORDABILITY Monthly income R 42 500 R 31 800 R 58 200 R 24 600 Monthly expenses R 27 300 R 26 100 R 30 400 R 22 900 DISPOSABLE INCOME R 15 200 R 5 700 R 27 800 R 1 700 Next payday 25 Oct 31 Oct 25 Oct 15 Oct DECISION APPROVED REFER APPROVED DECLINED Limit R 45 000 Manual review Limit R 80 000 Affordability not met decided in 0.8s · fully audited Illustrative data
03 / 05

Account Management.

Strengthen portfolio performance and uncover new growth opportunities.

  • Portfolio Risk

    Monitor and manage portfolio health with real-time insights.

  • Cross-Sell & Upsell

    Identify existing customers ready for expansion opportunities.

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Portfolio Monitor view: all-accounts view: early-warning view: upsell-ready view: stable All accounts All accounts Early warning Early warning Upsell ready Upsell ready Stable Stable ACCOUNT HEALTH MAP Early warning Upsell ready Stable HEALTH TREND · REAL TIME PORTFOLIO SHARE 12,480 312 1,146 9,870 accounts 100% of portfolio 2.5% of portfolio 9.2% of portfolio 79.1% of portfolio RECOMMENDED ACTION Monitor in real time Review limits & exposure Offer a limit increase Retain with loyalty offer portfolio-wide · live 312 accounts · high priority propensity ≥ 0.80 churn risk · low Apply action Illustrative data
04 / 05

Collection Optimisation.

Recover smarter with data-led strategies.

  • Collection Optimisation

    Prioritise accounts based on affordability and repayment capacity.

  • Claims Prioritisation

    Streamline claims for faster, more efficient outcomes.

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Collections Priority queue: priority queue: promise-to-pay queue: claims queue: recovered Priority queue Priority queue Promise to pay Promise to pay Claims Claims Recovered Recovered ACCOUNTS BY PROPENSITY TO PAY #1 #2 #3 #4 #5 #6 ACC-10482R 18 450 · 62 days0.910.620.710.83 ACC-20917R 7 920 · 31 days0.780.930.440.69 ACC-31455R 42 300 · 94 days0.640.480.880.52 ACC-40276R 3 610 · 18 days0.550.810.590.97 ACC-51308R 26 750 · 47 days0.420.700.950.61 ACC-62043R 11 280 · 120 days0.270.330.380.45 RECOVERY RATE 68% 74% 59% 82% recovered R 4.2m collected this month R 1.8m promised · 14 days R 0.9m claims settled R 6.1m recovered YTD CLAIMS RESOLUTION Before11.0 daysWith MyData4.2 days 62% faster claims turnaround Illustrative data
05 / 05

Compliance & Fraud.

Protect your business with proactive intelligence.

  • Compliance

    A customisable risk management framework supporting FIC compliance, consumer due diligence, and regulatory obligations.

  • Fraud Prevention

    Comprehensive fraud detection and prevention tools with real-time monitoring, customer verification, and account oversight to stop threats before they impact your business.

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Fraud & Compliance Shield status: monitoring check: fica-kyc check: identity alerts: 4 open Live monitor Live monitor FICA / KYC FICA / KYC Identity Identity Alerts Alerts REAL-TIME MONITORING !Velocity spike !PEP match !Synthetic ID !Device mismatch KYC / FICA CHECKS ID document verifiedPassed Address verifiedPassed Sanctions screeningClear PEP screeningClear Source of fundsPassed THREATS BLOCKED TODAY 1,284 1,291 1,297 1,306 real-time · 24/7 Illustrative data

Bespoke Solutions For Businesses.

No two businesses are the same – that’s why we work closely with our partners to craft tailored credit bureau solutions that meet your exact needs. Get in touch, and together we’ll build something that fits you perfectly.

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what matters to you.

Questions, partnerships or support, we’re here to help.