Credit Sesame last week launched an improved version of its credit intelligence platform fueled by a decade of serving 18 million consumers and AI models trained with more than 7 trillion data points.

Credit Sesame highlighted its platform can provide a full-stack, end-to-end solution with personalized credit analysis, real-time financial insights and access to an offer engine to tailor credit offers.

With six patents in credit technology, the Sesame platform can enable consumers to improve their credit health by providing personalized, actionable recommendations that help raise credit scores, lower borrowing costs and enhance financial stability.

“With better credit, consumers gain access to more favorable loan terms, lower interest rates, and a wider range of financial products, which can significantly reduce the cost of borrowing and open new financial opportunities,” the company said in a news release.

Sesame can empower businesses to offer personalized credit and financial wellness solutions “out-of-the-box” with full customization capabilities.

“With the ability to integrate seamlessly into existing systems, businesses can launch customized credit management solutions quickly and efficiently, driving growth while deepening customer relationships,” Credit Sesame said.

Other capabilities of this platform include:

—Instant, personalized credit insights: Advanced AI technology delivers actionable credit analysis and recommendations, empowering consumers to improve their credit scores and make informed credit decisions in the context of their credit well-being.

—Customizable offers engine: Provides credit offers in context by connecting their financial products with the consumers’ credit profiles or sourcing from a broad marketplace of products.

—Scalable, white-label integration: Businesses can seamlessly integrate the Sesame platform’s features into their existing systems, allowing for complete customization and branding and making it easy to launch personalized credit solutions quickly and efficiently.

Credit Sesame CEO Adrian Nazari said the launch comes at a pivotal moment, as the financial services industry anticipates a new cycle of declining interest rates following historic rate hikes. Nazari said this shift is expected to trigger a surge in refinancing and credit transactions over the next few years.

With the Sesame platform, the company said financial institutions can position themselves to capitalize on this trend by offering innovative credit solutions that meet the rising demand for consumer-friendly credit management

“Consumers deserve a smooth and personalized experience when managing their credit,” Nazari said. “The Sesame platform leverages our years of experience combining the power of data, analytics, and AI to deliver credit in context, exactly when and where customers need it. This is the kind of tailored, intelligent experience that consumers expect from their financial partners in the modern era.

“This is a game-changer for financial institutions, unlocking new growth opportunities while enhancing customer satisfaction, retention and engagement,” Nazari went on to say.

For more information, visit www.creditsesame.com.