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Advanced AML Intelligence
Detect suspicious income patterns and illicit financial behavior using granular transaction analysis to strengthen compliance and reduce exposure to financial crime.
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Behavior-driven KYC Enhancement
Enhance KYC with behavioral and transaction insights that provide a deeper, more accurate view of customer and business risk profiles.
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Proactive Decisions
Identify anomalies and behavioral deviations in real time to help prevent social engineering attempts and fraudulent transactions before they happen.
Balancing Risk and Responsibility
Lending responsibly starts with understanding your customers’ true financial capacity. Traditional methods often miss the full picture of income, expenses, and obligations, which can lead to poorly aligned repayment plans and increased risk of over-indebtedness.
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A Smarter Approach to Affordability
We use advanced analytics to assess an applicant’s financial position in real time by combining income, spending, and liability data. This helps ensure repayment plans meet regulatory requirements and remain sustainable for the customer. By evaluating affordability early, lenders can lower risk, improve outcomes, and support long-term financial well-being.
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Consumer Products
AML Intelligence
Identify suspicious or unusual income sources and flag high-risk transactions using detailed behavioral and financial patterns. This supports earlier detection of potential money laundering while helping distinguish legitimate activity from truly concerning behavior, strengthening AML controls.
KYC Enhancement
Strengthen KYC with automated behavioral and transaction insights that add context traditional checks often miss. You get a clearer view of normal customer activity, risk indicators, and expected financial behavior, enabling more accurate onboarding and stronger ongoing monitoring.
Social Engineering Detection
Detect fraudulent or manipulated transactions by spotting deviations from expected customer behavior that can signal social engineering. The system highlights patterns linked to coerced payments or abnormal authorization flows, enabling earlier intervention before financial harm occurs.
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Business Products
AML Intelligence
Proactively identify illicit financial flows and fraudulent schemes hidden complex business operations.
KYC Enhancement
Enhancement to obtain an elaborate view of the company’s financial information including source of funds, expected transaction volumes and geographical risks.
Social Engineering Detection
Detect anomalous payment behavior and deceptive social engineering attempts that target companies.
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
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
“Kreditz helped us build a fully automated gathering process where no manual verification documents are needed”
“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. ”
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.
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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
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. Probability of default in the next 3 months.
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.
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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.
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Legal & Compliance
Simplify complex compliance requirements with tools that integrate smoothly into your operations without compromising accuracy or transparency.
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Client Evaluation
Gain deep insight into customer behavior, financial health and make data-driven decisions that fuel your business growth.