Financial services company Fiserv and credit reporting agency and risk information provider TransUnion have joined forces today. Under the agreement, Fiserv will integrate TransUnion’s CreditVision Link to increase precision of scoring and risk modeling in its Automotive Loan Origination System.

Specifically, Fiserv will leverage data from TransUnion to identify high-risk and high-potential borrowers, including thin-file applicants, based on an evaluation of their credit application. This addition helps serve the underbanked population, raising Fiserv’s reach to potential underserved borrowers to 60 million. The additional data has also boosted the “super prime” customer base by 23 million.

Shaimaa Elk, Chief Information Officer, Lending Solutions for Fiserv said, “The partnership between Fiserv and TransUnion enables lenders to provide borrower-focused customer service and better optimize profitability, cost reductions, and efficiencies.”

CreditVision Link uses alternative data sources that include 30 months of data on factors such as address stability, checking account history, microloans/ alternative lending, and property ownership. TransUnion made a move to bolster the service last month when it acquired FactorTrust, a company specializing in alternative credit data, analytics, and risk-scoring. The terms of the deal were not disclosed.

Steve Chaouki, executive vice president and head of TransUnion’s financial services business unit, said that understanding clients is critical not only for decision making, but also for building customer relationships and loyalty. Chaouki added, “Our integration of CreditVision Link trended and alternative data sources into Automotive Loan Origination System enables lenders to score approximately 95 percent of the U.S. adult population.”

Founded in 1984, Fiserv most recently presented at FinDEVr New York 2017, where the company’s Sr. Product Manager, Jon Zimmermann, and VP of Electronic Payments, Paul Diegelman, addressed the audience in a presentation titled Payments Processing: Bank-Grade Standards, Now Available to Anyone. Earlier this year, Fiserv agreed to acquire Monitise for $89 million. The deal was finalized in September.

At FinovateFall 2016, TransUnion debuted Prama Insights, a suite of solutions that leverage data to offer lenders market intelligence. Prior to TransUnion’s acquisition of FactorTrust last month, the company acquired eBureau to enhance its versatile data and analytics capabilities. TransUnion is a publicly-traded company (NYSE: TRU).