Cube vs. Experian Credit Risk

1) The budget process. In QBO the budgeting capability is non-existant, unless you like manually typing in every scenario and not being able to budget by class. Cube houses my budget/forecast scenarios & lets me view and analyze by my company's preferred data points; department, GL account, vendor, & sales campaign. I'm able to run monthly budget variance reports and plan for the future with ease. 2) We've begun using Cube to help analyze profitablity by sales job. We've never had such easy access to this type of info in the past, so this is a benefit I can directly attribute to Cube. 3) We're beginning now to use an integration with our payroll software to work on headcount planning and payroll analysis.

Experian credit risk is a great tool to assess your customers and take risks appropriately. It is specifically suited to underwrite your customers. It is not so well suited to predict the affluence or spend propensity of your customers.

Incentivized

• Push/pull information across any Google Sheet or Excel workbook.
• Budget at a much more granular level (by month by account by the department by vendor).
• Custom mapping to allow for multiple cuts of the same data.
• Bulk range selection within a workbook.

• Climate credit analysis
• Probability of defaulting
• Credit risk pricing

Incentivized

• Limited to 8 top line dimensions. Although you can bring in as many attributes of data as you want, but I would really like Cube to increase top line dimensions to 10.
• The ability for cross level interaction within multiples cube would be a major plus once implemented.

• Algorithm could be more transparent
• Sometimes the recommended actions don't end up immediately increasing score
• Too costly

Incentivized

Cube was just a lot easier to use than Vena. We took some time to look at Vena as well and while their product was impressive, our organization was not yet there. We needed something we could implement quickly, and in today's day and age I think that is a very important quality to have. Start up and early stage companies do not have the luxury of implementation teams and massive IT resources so Cube was a huge help.

Incentivized

Experian has much wider coverage, more reliable data, and gives predictions on default rates reliably.

Incentivized

• It has decreased the amount of time it takes to build reports by days
• I can rest easy knowing the knowledge is accurate and there is no human error
• I have been able to create more reports than I ever dreamed of with the new time and ease of use

Incentivized

• Extracts all data from PDF format which helps us not to miss any data during [the] evaluation process
• Audit trail changes helps us to analyze anomalies
• Extremely transparent outputs to take decision

Incentivized