AI vs Fraud: Why speed and transparency now decide who wins
Fraud is moving faster than the systems built to stop it. At Kreditz, we’ve ...
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Accurate Income Insights
Confirm a borrower’s latest income streams in real time to ensure eligibility and make confident decisions faster.
Smart Risk Assessments
Evaluate creditworthiness with dynamic scoring models and affordability insights for responsible financing.
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Fraud Prevention
Spot suspicious activity early and automate KYC/AML checks to protect your business and meet compliance requirements.
Accelerate Approvals Through Relevant Insights
Car buyers expect quick approvals, but speed shouldn’t come at the expense of accuracy. Kreditz provide you with real-time insights into income, spending, and financial health, allowing you to assess borrowers and approve loans confidently.
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Secure Lending Starts with Better Data
Car financing involves balancing affordability with risk. Kreditz automates processes like income verification, credit scoring, and fraud detection, so that you’ll have accurate data to go off when making fair and responsible financing decisions.
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Income Verification
Instantly verify a customer’s income streams with Kreditz Categorization Engine. Access average net income for the past 1, 3, 6, and 12 months.
- Primary Income
- Secondary Income
- Reduce Fraud
- Cashflow
- Increase Conversion
- Less Handling Time
Advanced Credit Scoring
Reduce credit losses using tailored, high-accuracy probability of default models based on transaction patterns. Leverage Kreditz’s framework for Risk-based pricing to commensurate fees with individual borrower's creditworthiness.
Read moreCredit Scoring & Affordability
This encompasses developing and using credit scoring models to assess the creditworthiness of applicants and evaluate their ability to afford credit based on their income and expenses.
- Real-time data directly from the applicant’s bank account
- 12 months of retrieved information
- Check if the customer actually can afford the loan cost of x based on their current financial situation, rather than static data from taxed income (credit report)
- Set your own policy rules.
- Make automatic decisions with Kreditz’s decision engine, used by over 100 companies.
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Detect Fraud Before It Impacts Lending
Safeguard your lending business with live monitoring of suspicious behaviors and irregular financial activity.
Read moreCredit Assessment Framework
Kreditz Alta (decision engine) automated your credit decisions based on PSD2- & credit bureau data for both consumer & corporate credit.
- Credit Policy rules based on recent behaviour
- Credit Scoring solutions – ranking good to bad performing customers
- Affordability model based on real time incomes and expenses
- Limit model based on affordability and risk
- Fraud Score - Identifies Straight-rollers, Non-payers, and First Payment Defaults
Verify Borrowers Quickly and Securely
Meet KYC/AML requirements with automated processes that verify borrower identities and detect irregularities.
Read moreGain 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.
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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.
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.