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Advanced credit scoring
Leverage real transaction behavior to deliver highly predictive credit scores that significantly improve risk accuracy and reduce credit losses.
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Customizable policy rules
Define business rules using purpose-built transaction categories to automatically filter out high-risk applicants and ensure consistent, compliant decisioning.
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Real time affordability assessment
Access always-up-to-date disposable income insights from live transaction data to make precise affordability decisions.
Traditional Credit Scoring is Outdated
Traditional methods rely on limited, static data points like taxed income, payment remarks, or residency information, which often fail to represent an applicant’s current financial situation. For example, income may fluctuate, and expenses might change, but traditional scores miss these nuances, leading to generalized risk assumptions and increased fraud vulnerability.
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The Future of Credit Scoring
Kreditz uses multiple real-time, and consent-based, data sources all processed by our Advanced Categorization Engine (ACE) with market-leading accuracy.
By combining a multi-layered dataset and advanced analytics, we create a comprehensive, dynamic view of creditworthiness. Say goodbye to outdated data, step into the Future of Credit Scoring and start working with real-time insights tailored to each applicant.
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Fraud Comes in Many Shapes and Sizes
Fraudsters continuously adapt their tactics, and so should you. Analyze and review bank transaction data in real-time in order to identify suspicious behaviors like unusual cash contributions, irregular money transfers, or discrepancies 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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Consumer Products
Customized Policy Rules
Flexibly define policy rules, using purpose built transaction categories to filter out high-risk applicants. Define and adjust a set of policy rules to filter applicants by excluding those who do not meet your risk appetite or compliance criteria. Purpose-built transaction categories help you filter out high-risk applicants with greater accuracy. The policy rules give efficient pre-screening to focus resources on viable applicants while ensuring alignment with regulatory and business guidelines.
Advanced Credit Scoring
Reduce credit losses using tailored, high accuracy probability of default models based on transaction patterns. Benefit from highly tailored and accurate probability-of-default models built on detailed transaction behaviour rather than static credit data. These advanced scores significantly improve prediction accuracy and reduce credit losses. This enables a more accurate and comprehensive view of each customer’s true financial reliability.
Affordability Assessment
Make precise affordability decisions using real-time insights regarding most up to date disposable income. Access real-time, up-to-date insights into a customer’s disposable income to make more precise affordability decisions. By analysing actual transaction data, you can accurately determine repayment capacity. This helps you approve the right customers with confidence.
Application Fraud Detection
Leverage pre-built models to detect application fraud and reduce credit losses significantly. Detect fraudulent applications early using machine-learning models that analyse behavioural and transactional patterns. These models flag anomalies that traditional checks often miss. The result is a substantial reduction in fraud-related credit losses.
Business Products
Customized Policy Rules
Implement dynamic policy rules, using our sophisticated transaction categorization.
Advanced Credit Scoring
Drive superior scoring leveraging drivers specifically selected from the company’s transactions.
Cashflow
Divers optimized lending strategies with real-time visibility into company’s cash flow and financial liquidity.
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
“In addition to cutting credit losses in half, Collector Bank has also been able to reduce fraud-related costs by around 50 percent”
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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. ”
“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.
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.