TransUnion Technology Transformation Reaches Next Phase with Introduction of OneTru™, a Platform Built for AI-Powered Data Collaboration
13 Mars 2024 - 1:00PM
TransUnion (NYSE: TRU) introduced today OneTru™, its new solution
enablement platform for managing, governing, analyzing and
delivering data and insights. The OneTru platform connects separate
data and analytic assets built for credit risk, marketing and fraud
prevention and concentrates them in a single, layered and
unified environment that sits at the core of the business. This
unified approach allows TransUnion to deliver a more accurate,
complete and compliant picture of consumers, no matter the use
case.
OneTru seamlessly integrates previously siloed platforms and
analytics functionality. In this age of increasing data volume,
variety and velocity, and escalating regulatory and privacy
concerns, OneTru delivers more persistent identity resolution with
sharper, more contextualized insights, while helping to ensure
compliant data usage.
“Fragmented data sources and disconnected business applications
can compromise access to analytic capabilities and increase time to
insights. TransUnion has brought together the complementary assets
we have built and acquired in recent years to streamline data
access and maximize the speed and quality of analytics and the
decisions they drive,” said Chris Cartwright, President and CEO,
TransUnion. “OneTru is increasing the pace and breadth of our
innovation and enabling the next generation of insight-driven
solutions for fraud, risk and marketing, while helping our
customers more quickly adapt to changing regulations.”
OneTru consists of four key layers, each playing a critical role
in driving innovation and scale in TransUnion’s solutions:
1) |
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The data management layer enables rapid,
streamlined, and permissible access to TransUnion’s stores of
public, proprietary, online, offline, credit and noncredit data –
in accordance with laws and regulations in every jurisdiction where
we operate. |
2) |
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An identity layer matches online and offline,
personal and digital identity fragments to a person or entity with
speed and precision, to resolve identities for each use case. |
3) |
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Next, an analytics layer enables the combination
of human intelligence, AI and machine learning to generate
actionable insights from shared analytic tools across credit,
marketing and fraud mitigation. |
4) |
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Finally, the delivery layer leverages a unified
data governance framework and permission-based access controls, to
help ensure legal and regulatory compliance, auditability and the
opportunity to easily revisit models, as necessary. |
Built in the Era of AI; Solving for Data Graphing
Problems
Built on top of TransUnion’s foundational hybrid-cloud
infrastructure, and leveraging technology architecture, frameworks
and IP from Neustar (a company acquired in December 2021), the
platform will enable the company and its clients to capitalize on
AI and ML technologies to solve for complex data issues.
“OneTru’s AI and ML driven knowledge graph capabilities will
help our clients break down data silos and learn from the wealth of
information available in our emerging digital world,” said Venkat
Achanta, Chief Technology, Data and Analytics Officer, TransUnion.
“This will allow our clients to move beyond traditional identity
graphs that are limited to explicit data and deterministic linking.
Our customers will have access to knowledge graphs that retrieve
information from a much broader field and will be empowered to make
logical inferences from linked, unstructured and structured data,
thus providing additional meaning and context.”
For instance, OneTru’s AI capabilities will enable graphs that
improve identity resolution for fraud use cases by linking
structured data like traditional offline identities and
unstructured data, like behavioral information, device properties
and more. As a result, TransUnion customers will identify
fraudsters at a higher rate while minimizing false positives and
friction.
The platform also allows for easy data collaboration between
TransUnion solutions and customer data, while maintaining strict
user-based permissions and access controls. For example, in
marketing applications, TransUnion customers will be able to
compliantly combine graphs to integrate and harmonize disparate
information from many sources.
OneTru will also make it easier to interact with analytical
systems using natural language-based queries and commands.
“OneTru will make the job of gathering insights easier and more
intuitive,” said Achanta. “Analysts will be able to ask questions
they could not in the past, like ’which assets should I look at to
build a certain type of model?’ Or, ‘I have a specific budget in
mind, what can I do with it?’ With OneTru powering the solutions we
deliver to our customers, technology will no longer be an obstacle
to making massive quantities of data meaningful, but instead the
enabler it is meant to be.”
OneTru Powering TransUnion Solutions
By concentrating its world-class capabilities and building
better toolkits to leverage them, the company will more quickly
develop and deploy innovative new products, improving speed to
market and competitive advantage, all while reducing technology
sprawl and total cost of ownership.
“The beauty of TransUnion’s business is that many of the same
capabilities can be used across the data analytics value chain,
regardless of data set or use case,” said Tim Martin, Chief Global
Solutions Officer, TransUnion. “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.”
Over the next two years, TransUnion will continue to build out
the OneTru platform and its associated capabilities while further
consolidating its products, data, and analytics onto the platform,
and will be re-introducing OneTru-enabled solutions, or launching
new ones.
To learn more about OneTru, please click here. More information
about TransUnion’s business solutions can be found here.
About TransUnion (NYSE: TRU) TransUnion is
a global information and insights company with over 13,000
associates operating in more than 30 countries. We make trust
possible by ensuring each person is reliably represented in the
marketplace. We do this with a Tru™ picture of each person: an
actionable view of consumers, stewarded with care. Through our
acquisitions and technology investments we have developed
innovative solutions that extend beyond our strong foundation in
core credit into areas such as marketing, fraud, risk and advanced
analytics. As a result, consumers and businesses can transact with
confidence and achieve great things. We call this Information for
Good® — and it leads to economic opportunity, great experiences and
personal empowerment for millions of people around the
world. http://www.transunion.com/business
Contact |
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Dave BlumbergTransUnion |
E-mail |
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david.blumberg@transunion.com |
Telephone |
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312-972-6646 |
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