TransUnion launches OneTru, an AI-powered data analytics platform

TransUnion, one of the big three credit bureaus, has?launched ?a new data analytics platform called OneTru.

The new platform will offer banks and fintechs AI and ML tools for addressing a variety of credit, anti-fraud and marketing needs.

There are four key layers in OneTru: 1. Data management layer – providing access to compliant credit and non-credit data. 2. Identity layer – matches online and offline personal identity fragments. 3. Analytics layer – uses AI to generate actionable insights across credit, fraud mitigation and marketing. 4. Delivery layer – leverages a unified data governance framework to ensure regulatory compliance.

This new product leverages the AI platform from Neustar, a company TransUnion acquired in 2021.

TransUnion made it clear that this new platform is just the start. Tim Martin, Chief Global Solutions Officer, said, “OneTru provides us with a global chassis upon which we will deploy products and share expertise across the world in a cost-effective and compliant way. It is a game-changer for our customers and for the industry.”

The whole idea is “to drive a more complete and persistent picture of a consumer.”

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