See risk drivers more clearly with blended bureau insight
Understanding consumer behaviour is critical to pricing accurately and selecting profitable risks. Static, single-source bureau checks only tell part of the story and can miss trends that matter.
Percayso Bureau Intelligence blends public and private bureau data to deliver a richer view of risk and behaviour, helping insurers price with confidence, reduce fraud, and strengthen underwriting decisions.
“We see this partnership with Percayso as a valuable addition to what we deliver”.
Why Bureau Intelligence matters
Traditional bureau checks can be limited by scale, format, or lack of historical context. Bureau Intelligence goes further by:
Delivering a clearer picture of risk
Blended data from multiple bureaus gives a more complete and reliable understanding of driver behaviour.
Improving pricing precision
More accurate behavioural insight supports better segmentation, fairer pricing, and healthier loss ratios.
Supporting stronger underwriting
A deeper view of financial trends and credit behaviour leads to more confident acceptance decisions.
Detecting subtle risk signals
Cross-bureau patterns reveal trends and anomalies that single sources alone can miss.
How it works
Percayso Bureau Intelligence combines data from two or three UK Consumer Bureaus with additional public and private sources as needed.
Data is:
Blended and de-duplicated
Multiple bureau feeds are merged into a clean, unified view, reducing noise and duplication.
Transformed into trended insight
Rather than one-time snapshots, we provide directional views that reveal how behaviour evolves over time.
Standardised for consistency
Different source formats are harmonised so outputs are reliable and easy to act on.
Delivered via secure results files
Insights arrive in a usable format ready to support decisioning, modelling, and reporting.
Key benefits
Clearer view of consumer behaviour
By blending public and private bureau data, you gain a more accurate and complete view of risk.
More accurate pricing and risk assessment
Trended consumer insight supports fairer pricing and better underwriting outcomes.
Smarter underwriting decisions
A richer behavioural picture reduces referrals and improves acceptance confidence.
Forward-looking insight
Trended bureau views help anticipate risk changes, not just react to single-point snapshots.
Bureau Intelligence options
Percayso offers flexible multi-bureau strategies that can be tailored to your risk philosophy:
public
Baseline bureau data, such as Electoral Roll and County Court Judgements, to support standard risk assessment.
private
Deeper, more granular bureau information that reveals greater detail about individual financial behaviour and stability.
dual
Blended insight from two bureaus that enhances predictive value — leveraging differences in data scope, coverage, and update cadence.
multi
Full blended insight from all three UK Consumer Bureaus for the most comprehensive behavioural view available.
trend
Historical perspective on key bureau indicators that moves beyond snapshots to reveal direction and momentum in behaviour.
Designed for real insurance challenges
Bureau Intelligence is built for pricing, underwriting, and risk teams who need clearer, more consistent insight — not just checks.
It provides stronger risk differentiation and lower loss ratios through better pricing.
In addition to reducing fraud and misrepresentation, it provides clear, explainable insights that strengthen governance and audit.
