Predict New Account Risk is a risk scoring solution for financial institutions designed to assess the likelihood of loss associated with new deposit account openings. It analyzes an applicant's deposit account history and behavior sourced from the National Shared Database, which aggregates data contributed by over 2,500 financial institutions. The product generates two primary predictive scores: - First-Party Fraud Score: Estimates the probability that a consumer will default due to first-party fraud within the first nine months after account opening. - Account Default Score: Estimates the probability that a consumer will default due to account mismanagement within the same nine-month window. Both scores are accompanied by key factors and summarized attributes that provide additional context for decision-making. Financial institutions can use these scores to make nuanced approval and account-privileging decisions, moving beyond binary accept/reject outcomes. The solution is delivered via API, supporting integration into existing account opening workflows. Use cases include new deposit account (DDA) openings and credit use cases. The product also aims to support financial inclusion by enabling institutions to extend services to a broader consumer population while managing risk exposure.