Collector Bank
Find out how Kreditz tools transformed Collector Bank manual processes, minimizing errors and fraud risks.
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Reduced credit losses and fraud
Zero fraud cases since implementing the new tools. PSD2 data closes gaps that traditional methods fail to detect.
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Faster and more reliable credit process
A real-time Open Banking solution makes credit assessments quicker and more accurate, while eliminating the risk of credit losses and manual errors.
Award-winning solution
Skanska Rental won price at The Major Credit Award 2024 and Kreditz was nominated in four categories and won two at the Credit Management & Compliance Awards 2025.
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Case studies
Filter by Industry
Skanska Rental
Find out how Kreditz tools reduced Skanska Rentals fraud, manual processes, minimizing risks.
Saldo Bank
Explore how Kreditz helped Saldo Bank replace document-based verifications with a faster, secure, and fully digital ...
Svea Bank
Explore how Svea uses Kreditz to strengthen loan eligibility with real-time financial data and PSD2-based scoring — ...
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Kindred
Explore how Kindred uses Kreditz for AML, Source of Income and affordability checks — leveraging the Alta decision ...
Holland Casino
Holland Casino selected Kreditz for Responsible Gambling (RG), Source of Income, and Affordability Assessment to meet ...
Qred
Learn how Qred Used categorized transaction data, to automates credit decisions and monitors affordability over time.
Santander
Find out how Santander uses Credit Risk Insight to support secure credit decisioning across multiple product areas
DNB Finance
Learn how DNB Finance shifted from document-heavy underwriting to real-time, Open Banking–powered decisions with Kreditz
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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”
Solution
Credit Risk Insight
Markets
Sweden and other European countries
Use Case
Santander uses Credit Risk Insight to support secure credit decisioning across multiple product areas, including private loans, retail lending (e.g. IKEA), and car financing. By leveraging a hybrid integration model (iFrame + Kreditz Vista) and white-labeled landing pages, Santander enhances user conversion and streamlines affordability assessments.
Impact
- Real-time income verification embedded into consumer loan journeys
- +50% conversion improvement through white-labeled flows
- Supports multiple products across diverse verticals
Solution
Financial Indicators and Credit Risk Insights
Markets
Sweden
Use Case
Kreditz supports Income Verification and Advanced Credit Scoring for mortgage applicants. These lenders use household data aggregation for joint applications and real-time affordability checks.
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
Financial Indicators, Credit Risk Insights
Markets
Sweden, Denmark
Use Case
Qred integrates Kreditz via API to assess the financial health of small and medium enterprises. Using categorized transaction data, Qred automates credit decisions and monitors affordability over time.
Impact
- Improved speed and accuracy of SME assessments
- Seamless API integration into internal credit systems
- Better prediction of repayment capacity using transaction data
Solution
Financial Indicators, Account Verification
Markets
Sweden
Use Case
Collector integrated Kreditz to solve challenges related to income verification and account number validation, while replacing lengthy and error-prone manual processes. This helped improve both operational efficiency and customer satisfaction.
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
Financial Indicators and Credit Risk Scoring
Markets
Sweden
Use Case
Svea uses Kreditz to enhance loan eligibility processes by integrating real-time financial data and PSD2-based scoring. By automating data validation and using cash flow assessments, Svea improves both efficiency and decision quality.
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
The solution
Turning Complexity
Into Clarity
- Real-time credit assessment: Open Banking enables fast and accurate evaluation of creditworthiness using up-to-date financial data.
- Effective fraud prevention: Improved verification through Open Banking eliminates fraud and protects against manipulated information.
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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.