TransUnion introduced 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. OneTru consists of four key layers, each playing a critical role in driving innovation and scale in TransUnion?s solutions: 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 operate. 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. 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.

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 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. 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. 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. 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.