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Instant Digital Account Authentication
Verify consumer and business accounts in real time through trusted banking data, eliminating delays and manual checks.
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Fraud-Resistant, Secure Verification
Reduce the risk of fraudulent account details with a fully digital, high-integrity authentication process powered by secure, permissioned data access.
Seamless, Paper-Free Onboarding
Accelerate onboarding and improve customer experience by removing paperwork, manual uploads, and back-and-forth verification steps.
Fraud Comes in Many Shapes and Sizes
Fraudsters constantly adapt their tactics, and so should you. Analyze bank transaction data in real time to spot suspicious behavior such as unusual cash deposits, irregular transfers, or inconsistencies in income sources.
No More Manual Verification Hassles
Manually verifying documents like payslips and employment contracts is time-consuming and often unreliable. We simplify this process by accessing income data directly from bank accounts, providing you with top accuracy, reduced processing times, and eliminating the risks of forged documents.
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Real-Time Secure Account Authentication
- Verify customer accounts instantly and securely in a fully digital, paperless flow.
- Authenticate bank accounts in seconds using trusted digital data sources, so you can confirm accuracy without physical documents or manual checks. The result is a faster onboarding process with a much lower risk of fraud or incorrect account details.
Both consumers and businesses get a seamless, secure experience that supports quicker approvals and more reliable operations.
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“Since the new process began in December 2023, Skanska Rental has had zero cases of fraud, losses have decreased, and bankruptcies among customers have decreased as they choose more carefully. ”
“In addition to cutting credit losses in half, Collector Bank has also been able to reduce fraud-related costs by around 50 percent”
“Kreditz helped us build a fully automated gathering process where no manual verification documents are needed”
Industries
Not only is your industry complex, but time is also limited. That’s why we’ve dedicated ourselves to understanding the unique challenges facing your industry. Let’s tackle them together.
Consumer Lending
Corporate Lending
Car Finance
iGaming
Real Estate
PFM
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Consumer Lending
Next-Gen Lending is here. Real-time Affordability and Income Verification that helps you automating credit risk with personalized affordability assessments, policy rules and credit scores.
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Corporate Lending
Make smarter lending decisions that complement your risk strategy by streamlining the lending process with real-time financial behavior analytics.
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iGaming
Automate your AML-process and eliminate money laundering by verifying your clients source of funds and affordability from their bank account.
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Real Estate
Automate income verification and credit risk assessments based on real-time data.
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Industries
Not only is your industry complex, but time is also limited. That’s why we’ve dedicated ourselves to understanding the unique challenges facing your industry. Let’s tackle them together.
Consumer Lending
Next-Gen Lending is here. Real-time Affordability and Income Verification that helps you automating credit risk with personalized affordability assessments, policy rules and credit scores.
Learn more
Corporate Lending
Make smarter lending decisions that complement your risk strategy by streamlining the lending process with real-time financial behavior analytics.
Learn more
iGaming
Automate your AML-process and eliminate money laundering by verifying your clients source of funds and affordability from their bank account.
Learn more
Real Estate
Automate income verification and credit risk assessments based on real-time data.
Learn more
Kreditz ALTA
Advanced Categorization Engine
Automate credit and risk assessments to the new industry standard with real-time data and leading technology, giving you accurate decisions that align with your business goals.
Next-gen Credit Scoring
Credit Policy Rules
Affordability
Learn more about our Solutions
Explore the full range of our Credit Assessment tools, each designed to meet the standards of today’s market.
Financial Indicators
Optimize your risk management and drive customer value through highly accurate, granular insights across all financial assets, liabilities, income, and spending. Our unified intelligence enables precise liquidity forecasting of businesses based on recurring cash flows.
Credit Risk Insight
Make better lending decisions with significantly reduced credit losses. We enable users to flexibly define policy rules, make real-time affordability assessments, and obtain an accurate creditworthiness based on categorized transactions and tailored scoring models
Non Financial Risk Insights
Enhance your non financial risk management and compliance by accurately identifying dubious income, detecting social engineering and flagging suspicious transactions, while distinguishing them from valid activity. Our automated behavioral and transactional insights, enabling real-time monitoring and allows to identifying deviations from expected behavior to effectively preventing scams.
CVM Analytics
Leverage detailed transactional patterns to segment customers into truly actionable profiles, enabling personalized services and products. We provide in-depth insights into customer activity for precise share of wallet estimation. This allows us to identify real opportunities to enhance your customers' share of wallet.
Transaction categorization
Get granular financial activity patterns for superior customer understanding. Our Advanced Categorization Engine accurately identifies transaction purpose by leveraging years of experinece instilled into bleeding-edge AI models .
Account Verification
Our solution enables instant, secure, and fully digital customer account verification. This paper-free process accelerates onboarding and streamlines compliance. It significantly enhances operational efficiency trough secure connection.
Advisory Services
We partner with our clients to holistically strengthen their risk management capabilities. Our team of seasoned risk and consulting professionals leverages deep expertise across the entire risk spectrum – from credit to non-financial – and throughout the value chain, enabling clients to precisely define and successfully embed their risk appetite within critical business decisions, informed by extensive regulatory experience in Europe.
Risk Management
Protect your business with proactive risk assessment tools. Predict and prevent fraud with real-time data and real-time analytics.
Legal & Compliance
Simplify complex compliance requirements with tools that integrate smoothly into your operations without compromising accuracy or transparency.
Client Evaluation
Gain deep insight into customer behavior, financial health and make data-driven decisions that fuel your business growth.
Quick Answers
To put it simply, we focus on different things. Kreditz specialises in categorization accuracy—making sense of transaction and other financial data. In contrast, data aggregators typically prioritise covering as many banks and ASPSPs as possible. While Kreditz uses data aggregators for coverage, our core focus is enriching the data to enable smarter credit and risk decisions.
Our credit scoring model uses interpreted bank transaction data to provide an accurate picture of the customer's financial health. This allows you to make more informed lending decisions compared to traditional credit bureau data which is static and based on previous year taxed data. With Kreditz you will also be able to access more data points compared to credit bureau information.
We offer a 180-day monitoring service that tracks the customer's financial situation, updating the data four times daily. This allows you to adjust credit limits or take preemptive actions if a customer's financial situation deteriorates.
Yes, our decisioning engine can be customized with your specific policy rules. For example, you can exclude customers with less than €1,000 in average monthly affordability over the last six months.
Yes, you can select the desired time period for data retrieval. The fewer transactions we need to fetch, the faster the retrieval process will be.
In some markets we can integrate the data from your credit bureau partner to give you the full financial picture.
You can be up and running within a week without customization. With edits in the design it can take up to 2 weeks.
Kreditz’s have been in the market since the beginning of PSD2. By utilizing AI & ML our categorization models have been trained to interpret transactions in all markets. Of course all market transactions differ some. With the use of local intelligence from consultants we are actively interpreting new transactions and continuously training our models. Therefore we deliver the highest quality of categorized transactions data.