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18 views

Emailage PDF

Uploaded by

swarnabh47
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd
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LexisNexis® Emailage® for Insurance

Advanced risk assessment:


Digital insights with email at the core

Intelligence for risk decision confidence


Your customers want to connect through an increasing number of channels.
And they expect a consistent, frictionless experience each time. However,
insurance carriers are often pulled between the tensions of delivering
seamless user experiences and deterring fraud.

At LexisNexis® Risk Solutions, we believe it’s possible to do both. That’s why


we offer LexisNexis® Emailage®, a proven risk assessment tool with the user’s
email address at the core. Use it so your teams can confidently assess risk,
put customers through a frictionless/low-touch workflow, and outsmart
ever-evolving fraud tactics more effectively.
LexisNexis® Emailage® for Insurance

Our unique approach


Using a patented, proprietary analytic approach, Emailage reimagines fraud detection by utilizing
email intelligence as a core risk identifier.

• Email is the unique global identifier – Email is at the heart of our solutions because it’s
the universal key to all digital engagement and transactions in every industry, everywhere.

• The network effect – Fueled by global digital insights and shared transaction history, our
global network gives you risk decision confidence that’s always improving. With more than
5.9 billion digital identifiers in the network, Emailage brings together physical data, digital data
and dynamic fraud signals creating a holistic view of who is really behind the transaction.

• Active intelligence – Our technology combines advanced analysis, machine learning,


artificial intelligence and real transaction outcomes.

Here’s how it works


• Access Emailage – Emailage is accessed through the LexisNexis Dynamic Decision Platform (DDP).
• Input values – Values include email, IP address, name, address and phone.
• Receive an overall risk score – Emailage returns a score between 0 - 1,000 (0 is lowest risk;
1,000 is highest).

• View explanation – Emailage provides an overall risk, confidence and digital identity scores as
well as multiple detailed risk variables.

• Gain insight into the risk score – The risk score is divided into multiple segments called
risk bands and rated 1 – 6 (1 is lowest risk; 6 is highest).

By returning overall risk and confidence scores, along with metadata points such as email and
domain details and other personally identifiable information (PII), Emailage delivers succinct
decisioning data that supports risk-based assessment and fraud mitigation strategies. With this type
of intelligence, you’re better able to identify cybercriminals, prevent fraudulent transactions and
give a positive, frictionless experience to trusted customers.

Benchmark statistics1

Avg. Fraud Hit Rate Improved Accept Rate

16%
Manual Review Reduction

42%
Identified as high risk by Emailage
27%
Average percent decrease Average percent decrease
and turned out to be fraud in manual review volume in rejected transactions
Emailage impact: Analyze with complete confidence
Optimize your risk assessment process with Emailage. Gain efficiency with seamless integration
into your existing technology stack to help:

• Gauge the risk connected to a customer’s email address

• Identify and prevent fraud on online transactions

• Increase top-line revenue by accepting more legitimate customers

• Make confident, efficient manual review decisions

• Use with other LexisNexis tools to supplement your overall risk management

Emailage difference
Emailage empowers you to make confident risk assessments and online identity validation
using digital insights:

• Holistic email risk score and confidence analysis

• Global network digital insights

• Machine learning models refreshed weekly

• Customized models at network, industry and company levels

Email behavior can help differentiate legitimate users from fraudsters

Preference Longevity Access Stability

51% 91% 89%


of customers prefer of users have of people check
email as method the same email their email daily4
of communication2 address for more
than 3 years3

51% 21% 130


of users have of people check average number
the same email their emails of accounts
address for more more than 5 associated with
than 10 years3 times daily4 an email address5
Create safer environments for your customers
Every insurer—no matter the region or size—can experience fraud events. We help insurance
carriers make confident risk decisions in an environment of evolving fraud tactics while improving
user experiences at every stage of the customer lifecycle.

Use cases:
Quoting/ Account Account Claims
application registration maintenance security

Risk management. Maximized.


Get a clear picture of who is behind a transaction—and the risk associated—so your team can
automate decisioning workflows, improve customer experience and support business growth
initiatives, confidently.

For more information, call 800.458.9197 or email [email protected]

About LexisNexis® Risk Solutions


LexisNexis Risk Solutions harnesses the power of data and advanced analytics to provide insights that help businesses and governmental
entities reduce risk and improve decisions to benefit people around the globe. We provide data and technology solutions for a wide range
of industries including insurance, financial services, healthcare and government. Headquartered in metro Atlanta, Georgia, we have offices
throughout the world and are part of RELX (LSE: REL/NYSE: RELX), a global provider of information-based analytics and decision tools for
professional and business customers. For more information, please visit www.risk.lexisnexis.com and www.relx.com.

1 Results are average and are based on multiple POCs done with new customers and incremental benefits received by existing customers. These may vary based
on different geographies, customer inputs and industries.
2 https://www.statista.com/statistics/750858/us-consumers-preferences-brand-contact/
3 DMA Insight: Consumer Email Tracking Study (2015) - UK respondents
4 The Inbox Report (2016)
5 Digital Insider (2018) - US respondents

Emailage provided by LexisNexis is not provided by “consumer reporting agencies” as that term is defined in the Fair Credit Reporting Act (15 U.S.C. § 1681, et seq.)
(FCRA) and does not constitute a “consumer report” as that term is defined in the FCRA. Emailage may not be used in whole or in part as a factor in determining
eligibility for credit, insurance, or employment or for any other eligibility purpose that would qualify it as a consumer report under the FCRA. Due to the nature and
origin of public record information, the public records and commercially available data sources used in reports may contain errors. Source data is sometimes reported
or entered inaccurately, processed poorly or incorrectly, and is generally not free from defect. This product or service aggregates and reports data, as provided by the
public records and commercially available data sources, and is not the source of the data, nor is it a comprehensive compilation of the data. Before relying on any
data, it should be independently verified.
LexisNexis and the Knowledge Burst logo are registered trademarks of RELX Inc. Emailage is a registered trademark of Emailage Corp. Other products and services may
be trademarks or registered trademarks of their respective companies. Copyright © 2021 LexisNexis Risk Solutions. NXR14816-00-0321-EN-US

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