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Personalized Plans
Set monthly repayment amounts that align with each applicant’s financial capacity, ensuring fairness and compliance.
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Advanced Assessment
Leverage cutting-edge analytics to evaluate income, expenses, and overall financial health for accurate decision-making.
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Responsible Lending
Support regulatory compliance and reduce risks by identifying potential over-indebtedness before it becomes an issue.
Balancing Risk and Responsibility
Lending responsibly means understanding the true financial capacity of your clients. Traditional methods often fail to account for the full picture of income, expenses, and obligations, leading to mismatched repayment plans and over-indebtedness risks.
A Smarter Approach to Affordability
We use advanced analytics to assess an applicant’s financial position in real time by combining income signals, spending patterns, and liabilities. This helps ensure repayment plans are both compliant with regulations and sustainable for the customer. By addressing affordability upfront, lenders can reduce risk, improve outcomes, and support long term financial well being.
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Consumer Products
Credit Risk Consulting
We help clients strengthen and optimize underwriting so they can strike the right balance between lower credit losses and higher profitable approval rates. We do this by improving decision engines and applying categorized transaction data with advanced analytics to sharpen risk accuracy and decisioning.
Non-Financial Risk Consulting
We support clients with fraud detection and prevention that helps identify and stop suspicious activity with greater precision. By reducing false positives from AML alerts, teams can work more efficiently while strengthening compliance and overall risk control.
CVM Analytics Consulting
We help clients maximize customer lifetime value by using precisely categorized transaction data to uncover meaningful behavioral insights. These insights power targeted actions and smarter strategies that drive sustainable growth over time.
Business Products
Credit Risk Consulting
We help clients optimize their underwriting frameworks so they can balance lower credit losses with higher profitable approval rates. We do this by refining decision engines and applying categorized transaction data with advanced analytics to improve risk accuracy and decisioning.
Non-Financial Risk Consulting
We deliver advanced fraud detection and prevention services that help clients identify and stop illicit activity with greater precision. By significantly reducing costly false positives from AML alerts, we improve operational efficiency while strengthening compliance.
CVM Analytics Consulting
We help clients maximize customer lifetime value by using precisely categorized transaction data to uncover deep behavioral insights. These insights enable targeted actions and smarter strategies that support sustainable growth.
Solution
Markets
Use Case
Impact
- Real-time income verification embedded into consumer loan journeys
- +50% conversion improvement through white-labeled flows
- Supports multiple products across diverse verticals
Solution
Markets
Use Case
Impact
- Real-time affordability assessment used in mortgage approvals
- Custom scoring models built using PSD2 data
- Household-wide affordability view for joint applicants
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Solution
Markets
Use Case
Impact
- Improved speed and accuracy of SME assessments
- Seamless API integration into internal credit systems
- Better prediction of repayment capacity using transaction data
Solution
Markets
Use Case
Impact
- Reduced default rates and higher loan approval rates
- Digitally streamlined income and account verification
- Enhanced customer satisfaction with a modern, frictionless flow
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Solution
Markets
Use Case
Impact
- Reduced handling time per customer for faster response
- Improved risk control and flexibility in lending decisions
- Higher approval rates and lower default rates through accurate, real-time assessments
“Kreditz helped us build a fully automated gathering process where no manual verification documents are needed”
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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”
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.
Learn more.png)
Real Estate
Automate income verification and credit risk assessments based on real-time data.
Learn more.png)
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
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.