Digital Matrix Systems Introduces a Better Way to Select Potential Borrowers

PLANO, Texas (March 16, 2021) – Digital Matrix Systems, Inc. (DMS), a leading risk management solution provider, announced today that it has developed a process that credit card issuers and lenders can leverage to improve their direct mail offers.  Leveraged at the marketing stage of the customer lifecycle, the process uses credit file archives and the company’s tri-bureau DMS Summary Attributes® to create pre-approved offers that generate a greater return of approved applicants.

Using the same approval criteria for both marketing and production is important to ensure equivalent evaluation across the entire customer lifecycle.  Without consistency in both phases, the processes that are used to select and solicit potential applicants can be difficult and may ultimately lead to ineffective decisions and dissatisfied consumers.  Using the same coded model and attributes at both the marketing stage and origination provides better risk assessment and improves the effectiveness of marketing campaigns.

The DMS marketing stage methodology addresses the need for consistent evaluation by providing uniform calculations throughout the applicant review process.  The approach eliminates manual coding required by traditional methods and improves speed to market.   The primary phases include:

  • Preliminary mailing list preparation
  • Population processing and creation of credit file archives
  • Generation of DMS Summary Attributes®, custom attributes, and custom scores
  • Completion of marketing mailing

“DMS continually looks for ways we can improve outcomes for our clients,” said Carson York, Senior Vice President for Digital Matrix Systems.  “The marketing stage process is another example of innovation that our team has implemented to help mitigate risk and maximize customer acquisition.  We’re excited to help our clients improve the effectiveness of their marketing spend, as well as increase customer satisfaction through more effective offers.”

About Digital Matrix Systems, Inc.

Founded in 1982, DMS is an international risk management solution provider that helps clients leverage the power of data to make better-informed business decisions. Through an integrated product suite, DMS delivers secure access to consumer and commercial credit bureaus, as well as specialty data providers.  As a reliable partner, DMS helps leading companies predict and manage risk in a variety of industries, including financial services, insurance, and brokerage services.  The company provides data warehousing, advanced analytics, scoring models, and comprehensive consulting services, delivering strategic solutions tailored to each client’s business goals.  For more information, visit