Understanding Detailed Trade Risk Insight

What is Detailed Trade Risk Insight (DTRI)?

Detailed Trade Risk Insight is a new source of trade and payment insight from D&B with the most comprehensive payment experience and open balance data available on the market today, providing granular trade details on over 1.5 billion commercial trade experiences from 260 million supplier / purchaser relationships.

This new capability will provide you with increased visibility into recent and seasonal trade payment behavior of your customers, a including month–to–month time–series view of their payment behavior, so that you can make more insightful and confident credit decisions. This new insight is available in several products such as DNBi, packets (DUNSLink and Toolkit), and batch on an ad–hoc or scheduled basis to support your specific needs for trade related business intelligence.

In today’s increasingly volatile economic environment, you need to understand how a company is paying “today” to incorporate potential risk of most recent volatility. By using Detailed Trade Risk Insight in conjunction with D&B’s traditional trade offerings, you now have access to the insightful and descriptive summaries of recent and seasonal payment behavior that allows you to identify changes or trends and make more better credit decisions.

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What makes Detailed Trade Risk Insight data unique and important?

With Detailed Trade Risk Insight, you have access to the most comprehensive, timely, and precise payment and open balance information on US commercial businesses. These details provide more insight into a company’s credit and payment behavior such as adjustments to credit exposure, increases or decreases in a company’s amount owing or aged delinquencies and the frequency and amount of derogatory events.

For the first time, you will have the capability to spot month–to–month payment trends. This new capability from D&B provides a dramatic lift in information quality and an unprecedented level of visibility into a company’s trade experiences – providing you with significant predictive lift and the highest quality insight for your business decisions.

Detailed Trade Risk Insight is the only product that offers the unique combination of

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How is Detailed Trade Risk Insight different from other D&B trade offerings?

For many, today’s summarized version of trade payment experience data has been sufficient. In one simple line, D&B provides a recap of all the reported trading activity between a customer and their creditors. It is easy to understand and incorporate into existing models and decisioning processes.

With Detailed Trade Risk Insight, you can drill deeper into trade payment behavior with unprecedented visibility into monthly payment trends. This new capability from D&B provides a dramatic lift in information quality and an unprecedented level of visibility into a company�s trade experiences – providing you with significant predictive lift and the highest quality insight for your business decisions.

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How is Detailed Trade Risk Insight different from Small Business Risk Insight?

Detailed Trade Risk Insight (DTRI) and Small Business Risk Insight (SBRI) can be used as complementary offerings as both provide a detailed view of companies’ payment behavior. The primary differences are the source and the scope of input for the two products.

Small Business Risk Insight consists of a data repository that collects and consolidates lending financial performance data from financial institutions across the banking, credit card and leasing industries. SBRI is a great source for understanding how companies behave across their financial obligations, from both a usage and a payment/delinquency perspectives.

Alternatively, Detailed Trade Risk Insight is a data repository that contains trade experiences that span the breadth of the D&B universe regardless of company size or industry. Detailed Trade is a great source for understanding how companies pay their suppliers and vendors.

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Should financial services customers use Detailed Trade Risk Insight?

Yes, while Small Business Risk Insight is D&B’s primarily offering for financial services customers, Detailed Trade Risk Insight can be used in conjunction with SBRI to provide additional insight and predictive lift by revealing the previously missing picture of how customers pay their vendors (DTRI), compared to their lenders (SBRI).

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How can I access Detailed Trade Risk Insight?

Detailed Trade Risk Insight is available to all DNBi Risk Management Premium subscription customers at no additional charge. Detailed Trade Risk Insight data elements are also available via the “Trending Package” in Batch and Data Packets (DUNSLink and Toolkit). For further information about DNBi RM Premium and/or the “Trending Package”, please contact your D&B sales representative.

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