RevolutionCredit’s patent-pending solution transforms the credit decisioning process for both lenders and consumers by creating a unique platform for creditors and consumers to engage AND a database of unique consumer economic behavior data. The solution enables creditors to positively engage with their customers at the point of transaction to acquire unique behavior data, and build brand loyalty. This data, when added to traditional credit assessment, leads to better decision making by helping identify the most upwardly mobile customers (including new-to-credit consumers). This will lead to more approvals at any given risk level and to expanding relationships by retaining the best existing customers.