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Financial Transparency
Gain a clear, reliable overview of your customers’ financial situation, with the ability to drill down into the details most relevant to your business.
Granular Insights
Access deep, data-rich insights that help you understand cash flows, spending patterns, and financial behaviors at a more detailed level.
Real-Time Data
Make confident decisions based on up-to-date categorized bank transaction data that reflects your customers’ current financial reality.
Multiple Data Sources
Get a complete, accurate picture by combining data from several sources, giving you a more holistic understanding of each customer.
Create Policies That Fit your Goals
Traditional credit policies are often too rigid for today’s fast-changing financial landscape.
Kreditz’s Credit Policy Rules tool lets you build dynamic, data-backed guidelines that can adapt as your business grows and as regulatory requirements evolve.
The Framework in Action
Using real-time insights streams and advanced analytics, Kreditz helps you build credit policies that assess creditworthiness with greater accuracy and reflect your specific risk appetite.
From fraud detection and affordability modeling to responsible lending, each policy is designed to be precise, flexible, and easy to adapt as conditions change. The result is smarter decisions that protect your business while unlocking more opportunities for your customers.
CONSUMER PRODUCTS
Income Verification
Access highly accurate, granular insights into all of your customers’ income streams, with clear separation between recurring and one-off payments. View recent income and historical trends based on both employer-reported data from the Tax Agency and actual salary transactions. This comprehensive view is made possible by combining multiple data sources, including bank transaction data and information from the Tax Agency.
Spending
Gives a deep dive into the spending patterns of the applicant. For example, the distribution of spendings between different transaction categories, spending patterns over time and more.
Assets
Gives a deep dive into the assets, investments and savings of the applicant based on bank transaction data and open finance data. You can see information related to assets and savings. For example, total balance for the connected bank accounts, the distribution of assets between different types of accounts, information on assets in relation to primary income, savings ratio, monthly savings and account balances from Investment platforms.
Debts
Gain a comprehensive view of an applicant’s debt profile through detailed analysis of their bank transaction data. This product reveals how payments are distributed across different types of debt, tracks loan repayments over time, highlights repayment patterns, and provides additional insights into overall debt involvement.
BUSINESS PRODUCTS
Cashflow
Gain an in-depth understanding of a company's cashflow through detailed analysis of their bank transaction data. This product highlights average inflows and outflows for recent months, tracks cash movements over time, and provides a clear breakdown of both inflows and outflows by category.
Spending
Granular view of the consumer’s spending habits, risk indicators.
Debts
Calculation of credit car debts, consumer loans etc.
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
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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”
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
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.