Financial status, existing products, active loans, known debts, payment histories, and customer lifecycles are a few factors that impact the credit worthiness of a client. “One of our biggest challenges is that credit card information is complex,” says Longo. “A customer can make lots of transactions, and usually they have more than one card in their wallet. We work with credit cards, debit cards, retail store cards, prepaid cards—and each one has its own unique system from which to extract data. This creates a really challenging environment.”