List of Equifax PayNet MasterScore Customers
Atlanta, 30309, GA,
United States
Since 2010, our global team of researchers has been studying Equifax PayNet MasterScore customers around the world, aggregating massive amounts of data points that form the basis of our forecast assumptions and perhaps the rise and fall of certain vendors and their products on a quarterly basis.
Each quarter our research team identifies companies that have purchased Equifax PayNet MasterScore for Risk Management from public (Press Releases, Customer References, Testimonials, Case Studies and Success Stories) and proprietary sources, including the customer size, industry, location, implementation status, partner involvement, LOB Key Stakeholders and related IT decision-makers contact details.
Companies using Equifax PayNet MasterScore for Risk Management include: BMO Transportation Finance., a United States based Banking and Financial Services organisation with 800 employees and revenues of $150.0 million, Xactus, a United States based Professional Services organisation with 500 employees and revenues of $50.0 million, Numerated Growth Technologies, a United States based Professional Services organisation with 80 employees and revenues of $8.0 million, Broadway National Bank, a United States based Banking and Financial Services organisation with 10 employees and revenues of $1.0 million and many others.
Contact us if you need a completed and verified list of companies using Equifax PayNet MasterScore, including the breakdown by industry (21 Verticals), Geography (Region, Country, State, City), Company Size (Revenue, Employees, Asset) and related IT Decision Makers, Key Stakeholders, business and technology executives responsible for the software purchases.
The Equifax PayNet MasterScore customer wins are being incorporated in our Enterprise Applications Buyer Insight and Technographics Customer Database which has over 100 data fields that detail company usage of software systems and their digital transformation initiatives. Apps Run The World wants to become your No. 1 technographic data source!
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| Logo | Customer | Industry | Empl. | Revenue | Country | Vendor | Application | Category | When | SI | Insight |
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BMO Transportation Finance. | Banking and Financial Services | 800 | $150M | United States | Equifax | Equifax PayNet MasterScore | Risk Management | 2016 | n/a |
In 2016, BMO Transportation Finance implemented Equifax PayNet MasterScore within its Risk Management environment to strengthen credit bureau inputs and decisioning for the Transportation Finance portfolio. Equifax PayNet MasterScore was deployed alongside existing decisioning components to provide PayNet bureau data feeds and scoring signals into automated underwriting workflows.
The implementation included coding and operationalizing new variables for automated decisioning, using GDS Link DV360 program code to create derived attributes. The team developed and executed a structured testing plan for new variables and credit policy rules, tracked defects with IT and line of business teams, and built an automated SAS import process that feeds decisioning outputs into modeling and reporting pipelines. A SAS program was also implemented to track cases that tripped credit rules, supporting model monitoring and rule governance within the Risk Management framework.
Integrations and platform work included successful ingestion of PayNet Canada Data into the BMO Transportation Finance Canada decisioning platform, and a portfolio transition from Experian SDS to DV360 that was led with regression testing. The DV360 implementation included migrating DV360 database from a local MySQL instance to an IT backed up SQL Server, and integrating the TDS Project Tracker with SAS Web Reports and the SAS Information Delivery Portal to centralize project requests and reporting. The team also established bureau connectivity and operational troubleshooting procedures covering passwords, firewalls, and VPN, while implementing new bureau security standards.
Governance and operationalization activities centered on maintaining the Decision Service Master Data Dictionary, implementing SVN version control, and documenting processes for moving decisioning software to bank infrastructure. The program separated transportation finance data, produced required data attestations, and completed the transition of the Auto Decision system from GE to BMO infrastructure in February 2016 with zero downtime and no data loss. Explicit outcomes noted include approximately 600000 dollars in annual savings from the Experian SDS to DV360 transition, increased reliability of modeling and reporting data driven by SAS data cleansing and log retention changes, and recognition through internal awards for the TDS Project Tracker work.
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Broadway National Bank | Banking and Financial Services | 10 | $1M | United States | Equifax | Equifax PayNet MasterScore | Risk Management | 2018 | n/a |
In 2018, Broadway National Bank implemented Equifax PayNet MasterScore v2 and the PayNet Credit History Report to digitize and automate small-business loan underwriting and approval. The deployment positioned Equifax PayNet MasterScore within the bank's Risk Management stack to automate credit decisioning for commercial loans. The technical implementation centered on MasterScore v2 scoring and the Credit History Report data to automate underwriting workflows, risk scoring, and decision orchestration for commercial lending. Equifax PayNet MasterScore was configured to support credit decision rules and portfolio management workflows, reducing manual review steps and enabling faster adjudication of applications. Operational coverage targeted Broadway National Bank commercial lending and credit decisioning teams in the Long Island and New York region, with rollout focused on small-business loan product lines. The digitized loan approval process delivered faster decisions, reduced turnaround time, and improved borrower experience and portfolio management as referenced in the announcement.
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Numerated Growth Technologies | Professional Services | 80 | $8M | United States | Equifax | Equifax PayNet MasterScore | Risk Management | 2019 | n/a |
In 2019, Numerated Growth Technologies integrated Equifax PayNet MasterScore into its real-time digital business lending platform to expand its Risk Management capabilities. The Equifax PayNet MasterScore implementation was aimed at adding risk analytics for financial institution clients, supporting bank and credit union customers across the United States and feeding into the lending and credit decisioning process.
The integration embedded MasterScore outputs into Numerated’s decisioning workflows, surfacing score results and risk signals in real time to support more automated underwriting. Equifax PayNet MasterScore was connected to Numerated’s platform via score exchange mechanisms and workflow orchestration, enabling the platform to incorporate third party commercial risk analytics into application-level decision logic and loan orchestration.
Operational scope covered commercial lending and credit operations for Numerated’s financial-institution clients across the United States, with the deployment expanding Numerated’s analytics capabilities for bank and credit union customers. Governance centered on embedding external risk scores into existing underwriting workflows and credit policy execution, producing a tighter integration between risk analytics and automated lending decisioning as described in press coverage.
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Professional Services | 500 | $50M | United States | Equifax | Equifax PayNet MasterScore | Risk Management | 2023 | n/a |
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