The Edge Your Fintech Has Been Looking For Is Already in Your Data
The fintech lending space is crowded. Rates are competitive, acquisition costs are up, and most platforms are pulling from the same traditional credit data to make decisions.
The problem is that traditional credit data misses a lot. Errors are common. Suppressed scores are common. And qualified borrowers who should be converting are quietly falling out of your funnel.
Alternative data fintech lending strategies are redefining how digital lenders compete. The platforms winning market share are not spending more on acquisition, they are finding qualified borrowers already inside their existing data.
Why Fintechs and Digital Lenders Use Revelar
- Cut customer acquisition costs — re-engage previously denied applicants who were declined due to credit errors, not credit risk.
- Approve more without taking on more risk — Revelar identifies creditworthy applicants hidden by inaccurate bureau data, expanding your approval universe responsibly.
- Deploy in weeks, not quarters — Revelar integrates via a simple API and lightweight ETL process. Best Egg had it live inside their platform within weeks.
- No LLMs, no external calls, no data movement — everything runs inside your secure environment, which matters when you’re operating under FCRA and ECOA compliance requirements.
- Turn a compliance obligation into a growth driver — credit error detection is not just good for consumers. It is a business model for lenders who know how to use it.
What Best Egg Did With Revelar
Best Egg is a leading fintech committed to helping consumers build financial confidence. Their Financial Health platform engagement had plateaued. Standard email campaigns were generating 1 to 2% engagement. They needed something that created real urgency for users.
They deployed Revelar and scanned 20 million historical credit reports in under three minutes. What they found: 3.4 million consumers with material credit report errors. That discovery immediately revealed a nine-figure net-new lending opportunity.
The results after six months: a 67% email open rate, 30% click-through rate, 160% lift in Financial Health engagement, and a 40% increase in cross-sell opportunities. They also saw 10% reactivation of dormant users — all from their existing database.
Best Egg’s success with Revelar was recognized at the 2025 FinTech Breakthrough Awards, where they won Best Financial Education Platform. The partnership with TrackStar AI also contributed to the company’s trajectory leading up to its $800 million acquisition by Barclays.
How Alternative Data Fintech Lending Drives Growth Without New Spend
90% of lenders say greater access to alternative data would help them approve more qualified borrowers. The fintechs that act on that first are the ones that take market share.
Revelar is trained on more than 30 million dispute outcomes across Equifax, Experian, and TransUnion. It is not theoretical. It is the most battle-tested credit error intelligence available to lenders today.
Your applicant database is not a cost center. With Revelar, it becomes a growth engine.
It does not use LLMs or external API calls. It does not move your data. It meets bank-grade compliance standards and integrates in weeks, not quarters.
If your underwriting team is making decisions based on flawed data, you are not just losing approvals. You are losing the revenue that comes with them.
Core Solutions
Ready to See What's Hidden in Your Data?
Book a discovery call and see how Revelar uncovers the lending opportunities already inside your existing credit files.
