Customer Value Management (CVM) Analytics

Use detailed transaction patterns to segment customers into truly actionable profiles, enabling more personalized products and services. We provide deep insight into customer activity for accurate share-of-wallet estimates, helping you pinpoint real opportunities to grow wallet share.

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Actionable Customer & Company Segmentation

Create highly accurate, behavior-based segments using granular transaction insights so you can tailor products, services, and messaging to maximize customer lifetime value.

Deep Activity & Wallet Share Intelligence

Understand true customer or business activity levels and estimate share of wallet with precision. This enables more effective targeting, clearer opportunity sizing, stronger growth strategies, and earlier detection of risk or disengagement.

Predictive Retention & Growth Opportunities

Identify churn risk and uncover real upsell and cross-sell opportunities through behavioral patterns, enabling proactive engagement that increases retention and customer lifetime value.

+ 100

Clients

+ 10 bil

Transactions analysed

+ 12

Markets

+ 5

Aggregators

Fraud Comes in Many Shapes and Sizes

Fraudsters constantly adapt their tactics and so should you. Analyze bank transaction data in real time to identify suspicious behavior such as unusual cash deposits, irregular money transfers, or inconsistencies in income sources.

No More Manual Verification Hassles

Manually verifying documents like pay stubs and employment contracts takes time and can be unreliable. We simplify the process by accessing income data directly from bank accounts, giving you higher accuracy, faster processing, and far less exposure to forged documents.

Consumer Products

Customer Segmentation
Use detailed transaction patterns to segment customers into truly actionable profiles and personalize services and product offerings. This makes every interaction more relevant because it’s grounded in real behavior, helping improve satisfaction, conversion, and long-term loyalty.

Activity Scoring
Gain deeper insight into customer activity to estimate share of wallet with precision. These behavioral signals help you identify high-value customers and those with strong growth potential, giving you a clearer way to prioritize and target engagement.

Churn Prevention
Detect churn risk earlier by using activity and behavioral indicators that surface changes before they show up in traditional metrics. This lets you proactively engage customers whose activity is declining, improving retention and reducing revenue leakage.

Upsell and Cross-sell
Identify real opportunities to grow each customer’s share of wallet by analyzing spending habits and unmet needs. These insights help you make the right offer at the right time, driving growth and increasing overall customer value.

Business Products

Activity Scoring
Estimate the portion of a company’s total financial activity with your organization to capture and retain at-risk clients.

Churn Prevention
Find precise root cause of attrition based transaction data to proactively engage and retain at-risk clients.

Upselling / Cross-Selling
Strategically expand client relationship to maximize lifetime value by proactively identifying and addressing unmet financial needs.

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

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

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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

“In addition to cutting credit losses in half, Collector Bank has also been able to reduce fraud-related costs by around 50 percent”

- Patrik Hankers

GM at Collector Bank

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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. ”

– Maria Fabiansson

Manager of Client Center

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“Kreditz helped us build a fully automated gathering process where no manual verification documents are needed”

- Mikael Modig

Chief Development Officer

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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.

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.

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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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Car Finance

Improve conversion and reduce risk by automating underwriting processes.

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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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PFM

Highly accurate transaction categorization for personalized and automated insights.

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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

Car Finance

Improve conversion and reduce risk by automating underwriting processes.

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

PFM

Highly accurate transaction categorization for personalized and automated insights.

Learn more

Plans

Whether you are a global institution or just starting your small-scale operations. Kreditz provides customizable subscription options meant to fit your different business demands.

Starter

For businesses that just need to get started with the essentials.

Starter T&C

Customer Success user support

Web app only delivery

SLA

Integration support

Quarterly business review

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Enterprise

For businesses ready to scale with advanced decisioning, automation, and deeper insight across credit, risk, and compliance.

Enterprise T&C

Customer Success user support

API, web app or hybrid delivery

SLA

Integration support

Quarterly business review

Get a quote

Custom

For organizations with complex requirements that need tailored solutions, bespoke decision logic, and full flexibility at enterprise scale.

Custom T&C

Customer Success user support

API, web app or hybrid delivery

SLA

Integration support

Quarterly business review

Get a quote

Quick Answers

What’s the difference between Kreditz and a data aggregator?

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.

How does the real-time credit scoring model work?

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. Probability of default in the next 3 months.

What happens if a customer's affordability changes over time?

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.

Can we customize the credit decisioning rules?

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.

We only want to collect the last 6 months of data, is that possible?

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.

Can you collect data older than 12 months?

In some markets we can integrate the data from your credit bureau partner to give you the full financial picture.

How long does it take to get started with the webportal?

You can be up and running within a week without customization. With edits in the design it can take up to 2 weeks.

Why is your categorization so high compared to competitors in the market?

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.

All FAQ

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Customer Value Management (CVM) Analytics

Actionable Customer & Company Segmentation

Deep Activity & Wallet Share Intelligence

Predictive Retention & Growth Opportunities

Fraud Comes in Many Shapes and Sizes

No More Manual Verification Hassles

Consumer Products

Business Products

Find Your Match

Proven Use Cases

Solution

Markets

Use Case

Impact

Solution

Markets

Use Case

Impact

Solution

Markets

Use Case

Impact

Solution

Markets

Use Case

Impact

Solution

Markets

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Impact

Reviews

“In addition to cutting credit losses in half, Collector Bank has also been able to reduce fraud-related costs by around 50 percent”

- Patrik Hankers

“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. ”

– Maria Fabiansson

“Kreditz helped us build a fully automated gathering process where no manual verification documents are needed”

- Mikael Modig

More Toolkits

Risk Management

Legal & Compliance

Client Evaluation