Vendor Overload Solved: Get ALL Your Insights in ONE Place (and More Accurately Than Ever!)

If you’re still juggling separate tools for onboarding, identity verification, KYB, AML, fraud, credit, and case management, you’re paying a hidden tax every day: inconsistent data, slow reviews, and frustrated customers who drop off before they ever become revenue.

And that tax isn’t small.

Gartner estimates poor data quality costs organizations at least $12.9 million per year on average. Meanwhile, vendor overload keeps rising. Okta’s Businesses at Work report shows the global average number of apps per customer has now topped 100, while large enterprises juggle an average of 231. Zylo’s SaaS management index pegs enterprise portfolios even higher—closer to 275 apps on average.

That’s a lot of swivel-chair integrations—and a lot of places for truth to go missing. 

Worth collapses that complexity. With Worth Pre-Fill and Enhanced Cross-Walking, you get a single, verified business profile at intake—so every downstream decision (risk, fraud, credit, ops) runs on clean, consistent data.

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The Problem With Tool Sprawl (and Why It Hurts Decisions)

Historically, pre-1980s, underwriting was a manual process. Work was done with paper documents, ledgers, human review, and internal spreadsheets, relying on just a handful of tools.

From the 2000s onward, especially post-2008, there’s been a proliferation of vendor tools: external data providers, identity verification, cash-flow analysis, automated scoring models, compliance, loan origination software, and more. 

Today, underwriters routinely stitch together 15-25 or more separate systems. Talk about vendor overload. All are essential, but with too many vendors, you inherit:

• Conflicting records (names, DBAs, EINs, addresses, ownership trees)
  
• Fragmented signals (fraud, adverse media, watchlists)
  
• Manual reconciliation and re-keying (a compliance and audit nightmare)\

The result? Slower decisions, higher costs, and more drop-offs. 

Vendor consolidation isn’t just about operational efficiency; it also helps the bottom line.

Register for our upcoming webinar where you can ask questions directly to our founders about our solution to this problem.

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The Solution: Pre-Filled Applications

Worth’s proprietary Pre-Fill technology was designed to fix one of the most common frustrations in business onboarding: the endless forms and repetitive data entry that drive applicants away. Instead of asking for 60 fields of information up front, Pre-Fill needs only three—business name, address, and tax ID. From there, Worth pulls verified records directly from sources like the IRS, FinCEN, Secretaries of State, and credit bureaus. The application is auto-populated with clean data, and compliance checks start right away, not after the customer hits submit.

For applicants, this feels like a smoother, more modern experience. They’re not stuck retyping details you already know or uploading the same document more than once. For financial institutions, it means teams are working with verified information from the start. That cuts down on incomplete files, reduces follow-up requests, and keeps manual corrections to a minimum.

Pre-Fill also reaches deeper than ever. With access to more than 242 million business records—including DBAs and newly registered entities—every intake is matched against KYB requirements, beneficial ownership structures, EIN/TIN validation, and sanctions or adverse media lists. All of that happens instantly in the background, so customers see progress instead of roadblocks.

And the impact is real. 

68% of consumers abandoned at least one digital onboarding in a year, usually because the process was either too long or too complex. By removing these pain points, Pre-Fill helps more applicants complete the process and allows institutions to move from intake to approval in a fraction of the time.

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The Engine Behind It: Worth’s Cross-Walking Technology

Messy data is the silent killer of efficiency. Typos, stale addresses, duplicate records, and mismatched ownership information send applications bouncing between underwriting, operations, and compliance teams. Each handoff creates delays and adds friction to the decision-making process.

Worth’s Cross-Walking technology was designed to stop that cycle. 

By using AI to connect and normalize records across multiple authoritative sources, Worth makes it possible to resolve name and address variants in real time, distinguish overlapping entities and DBAs, and catch red flags like EIN mismatches or incoherent ownership structures before they turn into bigger problems. 

The result is a single, unified business profile that every team can rely on, instead of four different versions of the truth scattered across systems. 

It’s not just about saving clicks—it’s about raising the quality of every decision your institution makes.

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The Bottom Line

You don’t optimize onboarding and underwriting by adding more vendors. You start by using consistent, verified data and consolidating your systems in one place. 

Worth’s comprehensive solution leads to:

• Higher completion and faster approvals
  
• Cleaner data and fewer manual reviews
  
• Stronger, earlier fraud defense
  
• A safer stack that your team will actually want to use
  

Let’s put your workflow side by side with Worth and quantify the lift. 

Book a demo and we’ll show you exactly how much faster and streamlined your onboarding can run.