Collector Bank
Find out how Kreditz tools transformed Collector Bank manual processes, minimizing errors and fraud risks.
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Instant Income Checks
Confirm salary income and employer with multiple real-time data sources for reliable decisions without relying on manual checks.
Smart Risk Analysis
Evaluate creditworthiness with advanced scoring models and affordability insights tailored to each applicant.
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Fraud Prevention
Detect fraudulent activity and automate KYC/AML processes to protect your business and meet regulatory standards.
Faster Lending Starts with Better Insights
In consumer lending, speed truly matters. Delays in approvals can lead to lost opportunities and dissatisfied clients. That's why real-time insights on financial behavior and health are so vital, as they allow you to make smarter decisions without having to compromise on accuracy or customer experience.
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Don’t Let Compliance Slow You Down
Manual checks can create bottlenecks, but Kreditz automates processes like fraud detection and KYC/AML compliance, keeping your business secure while providing the frictionless experience borrowers expect.
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Buy Now, Pay Later (BNPL)
Enable responsible lending with data-driven decisions.
- Offer tailored repayment plans based on actual financial health
- Speed up approval flows with instant digital income verification
- Spot risky behaviors early to reduce defaults and improve conversion
- Real-time affordability checks that keep you compliant and competitive
Instant Income Verification
Ensure accurate lending decisions with real-time income verification directly from your applicants' bank data. Eliminate fraud based on manipulated documents and save manual labor.
Read caseCar Financing
Smarter lending decisions with real-time income insights
- Instantly verify customer income via real-time transaction data
- Assess affordability by analyzing spending patterns and financial burdens
- Predict default risk using real-time credit scoring for better risk control
- Faster approvals, lower risk, and improved customer experience
- Financial health scores and personalized tips
Car Financing
Ensure accurate lending decisions with real-time income verification directly from bank data.
Read caseConsumer Lending (Private Loans)
Better insights, faster loans, lower fraud
- Access real-time credit scoring and income data for instant decisions
- Identify high-risk profiles like non-payers or straight-rollers early
- Validate account ownership and prevent fraud with account check
- Secure, fast, and fully automated lending decisions
NextGen Credit Scoring
The real-time credit score you've been waiting for- Dynamic scoring models that utilize consent-based real-time data sources to make individually optimize decisions. Available for both Consumer and Business.
Read casePeer-to-Peer Lending
Connect the right borrowers with the right investors
- Match borrowers and lenders with dynamic, real-time risk scoring
- Prevent fraud with verified account transfers and behavioral signals
- Detect high-risk patterns and fraudulent intent automatically
- Build trust and transparency in peer-to-peer lending
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Income Verification
Automate income checks using multiple real-time data sources in just one solution. Eliminate manual processes, reduce errors, and approve loans faster while making well-informed decisions based on accurate financial insights.
Read caseLeasing
Personalized leasing, powered by real-time data
- Tailor lease terms based on real financial capacity
- Flag risk early with predictors like payment defaults or fraud intent
- Automate red-flag detection and streamline your approval process
- Smarter risk management for higher approvals and lower losses
Fraud Score
Minimize and eliminate fraud by implementing our award-winning fraud detection solution based on real-time bank transaction data analysis.
Read caseOther Consumer Credit
Support all credit offerings with smarter assessments
- Pre-fill applications with verified data to improve conversion
- Evaluate affordability in real time to reduce over-lending risk
- Integrate fraud flags and risk scores for a more secure process
- More precision, less friction, better customer outcomes
Customer Segmentation
Segment customers into truly actionable profiles using detailed transactional patterns to personalize better services and products
Read case
Saldo Bank
Explore how Kreditz helped Saldo Bank replace document-based verifications with a faster, secure, and fully digital ...
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
Gain Access Now
Ready to head into the new real-time data universe? Book your demo and get a front-row seat to the future of credit scoring.
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 KALP assessment used in mortgage approvals
- Custom scoring models built using PSD2 data
- Household-wide affordability view for joint applicants
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
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
What's New
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Quick Answers
What is B2C lending in Kreditz’s context?
B2C lending covers consumer credit offerings, especially in higher-risk segments. Kreditz supports a wide range of lenders, including car financing providers, BNPL companies, private loan issuers, P2P lenders, leasing firms, and other consumer credit businesses.
What problems does Kreditz solve for B2C lenders?
Kreditz helps lenders make faster, more accurate lending decisions using real-time Open Banking data. This improves approval rates, reduces defaults, cuts manual handling, and strengthens risk management — all while creating a smoother customer journey.
How does digital income verification work?
With customer consent, Kreditz pulls income data directly from their bank account and verifies income across the last 3, 6, 9, or 12 months. This removes the need for manual uploads like pay slips and employment contracts.
Why is digital income verification better than manual documents?
Manual documents add friction, slow down onboarding, and increase drop-offs. They also carry a higher risk of manipulation. Digital income verification is secure, tamper-proof, and typically completed in 30–60 seconds.
Do customers prefer digital income verification?
Yes. When offered the choice, 93 percent of customers choose Kreditz digital income verification over manually uploading pay slips and employment certificates.
Can Kreditz identify more than one income source?
Yes. Kreditz can detect additional income streams beyond the primary salary, giving lenders a fuller picture and helping approve more eligible customers.
What is real-time credit scoring?
Real-time credit scoring uses up-to-date transaction data to assess creditworthiness instantly. Kreditz can also provide the probability of default for the next three months, helping lenders act on current risk rather than outdated history.
How does Kreditz assess affordability?
Kreditz calculates actual affordability using real-time financial data from the last 3, 6, 9, or 12 months. This shows a customer’s true repayment capacity and reduces approvals based on incomplete or old data.
What is spending analysis and why does it matter?
Spending analysis helps lenders detect risky behavior patterns, such as heavy gambling activity or high debt exposure. This strengthens risk control and supports healthier credit decisions.
How does Kreditz help increase lending volume?
Kreditz can identify other existing credit lines and support consolidation. This can increase the total disbursed volume while keeping risk under control.
What is Kreditz Alta and how does it help with defaults?
Kreditz Alta supports enhanced default rate management by giving lenders deeper risk insight and better decision foundations, increasing the likelihood of reducing defaults.
How do pre-populated application fields improve the lending flow?
Kreditz can pre-fill key fields like income and housing costs at the start of the application. This reduces time to complete, improves accuracy, and makes the whole journey smoother for the customer.
What measurable impact do lenders see with Kreditz?
Based on six years of client data in B2C lending, lenders using Kreditz typically achieve:
45 percent higher approval rates
50 percent reduction in default rates
75 percent reduction in credit bureau data costs
80 percent faster decision-making