High Mark receives raw, unstructured data from its members, and instantly runs a data quality check on the same. This check is performed to get an insight into the volume of highly incomplete records present in the database, discrepancies with such records, level of incompleteness of data etc.

High Mark then compiles all such feedback into a DATA QUALITY REPORT and makes it available to the member. Such a data quality check, gives the member a deep understanding into faults in data collection and entry.

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Having duplicate or multiple entries for the same entity has traditionally been a nuisance creator in database management. Especially in a country like India, where personal details (viz. Names & Addresses) can be written in multiple number of ways, it becomes increasingly difficult to recognize, manage and match such multiple variations to a single entity.

In very large databases, total number of duplicate entries can run into millions; thereby affecting the search and querying performance of the system.

To address this problem, High Mark has robust and smart algorithms built into its system, which enables users to run De-Dupe Checks on their data. High Mark's de-duplication capabilities have been vetted and put to test by leading Commercial Banks, Telecommunication Companies and Micro-Finance Institutions of the country.

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Risks associated with lending decisions are enormous and often collections & recovery are the most tedious and cumbersome part of the entire credit life cycle.

In order to make better informed lending decisions, avoid recovery and bad debts, High Mark offers its members, a Single-View or Household view of its customers. A Single-View or Household view of a customer helps the credit appraiser look into, both the assets and liabilities of the customer and his/her first order relatives, all organized neatly in a single window.

Such a service is highly popular amongst retail banking institutions, as it gives a better understanding of the credit worthiness of a customer valued in terms of the gross assets and liabilities of his/her household. This also prevents multiple lending to a single household on basis of singular security.

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Missing elements, such as PIN Code, PAN Number, Phone number; in Customer records are prevalent and pose a great risk to the industry. High Mark’s Search and Match engine mines data from the underlying database and scans for variations to every single entity’s records.  This underlying data is populated and updated on a regular basis with data obtained by High Mark from various sources. High Mark engine searches for variations of such entities possessing additional details, and collates the same with the missing elements of customer records.

Such enriched customer records are then provided to the member, upon request.

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High Mark has studied millions of Indian Postal Addresses to understand Patterns and Variations. Based on such extensive research, High Mark has developed Advanced Rule Based Algorithms to assess the correctness and completeness of a postal address, verify the same by running checks through its library of addresses and improve the completeness of the address by feeding in missing information such as PIN code, District, Taluk, Landmark etc.

Such a service is of increased relevance to financial and telecommunications industry.

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