Collector Bank
Find out how Kreditz tools transformed Collector Bank manual processes, minimizing errors and fraud risks.
Challenges
Some key challenges included that decisions were being made without a real-time view of the customer’s actual financial situation. Income verification was slow and often depended on documents or self-reported information in the application, which made it difficult to validate what was true and what was incomplete. Risk insight was limited, affordability checks were harder to get right, and problem cases required extra manual work to understand what was really going on. The team also lacked a strong PSD2-based scoring layer to complement traditional data, which meant they had fewer signals to spot inconsistencies, identify fraud early, or detect behaviors that could indicate financial stress, such as heavy gambling activity.Results
- Fully automated process
- Less handling time per customer
- Minimized fraud
- Higher approval rate and less bad rate
Instant Income Checks
Confirm salary income and employer with multiple real-time data sources for reliable decisions without relying on manual checks.
Smart Risk Analysis
Evaluate creditworthiness with advanced scoring models and affordability insights tailored to each applicant.
Fraud Prevention
Detect fraudulent activity and automate KYC/AML processes to protect your business and meet regulatory standards.
“Kreditz helped us build a fully automated gathering process where no manual verification documents are needed”
The process
Turning Complexity
Into Clarity
It all starts with understanding your unique goals and tailoring our service to meet your needs. Integration is seamless, whether through API automation or plug-and-play solutions. By leveraging real-time data from Open Banking and other sources, we deliver actionable insights that enable confident decisions.
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Kreditz ALTA
Advanced Categorization Engine (ACE)
Automate credit and risk assessments to the new industry standard with real-time data and leading technology, giving you accurate decisions that align with your business goals.
Next-gen Credit Scoring
Credit Policy Rules
Affordability
Learn more about our Solutions
Explore the full range of our Credit Assessment tools, each designed to meet the standards of today’s market.
Financial Indicators
Optimize your risk management and drive customer value through highly accurate, granular insights across all financial assets, liabilities, income, and spending. Our unified intelligence enables precise liquidity forecasting of businesses based on recurring cash flows.
Credit Risk Insight
Make better lending decisions with significantly reduced credit losses. We enable users to flexibly define policy rules, make real-time affordability assessments, and obtain an accurate creditworthiness based on categorized transactions and tailored scoring models
Non Financial Risk Insights
Enhance your non financial risk management and compliance by accurately identifying dubious income, detecting social engineering and flagging suspicious transactions, while distinguishing them from valid activity. Our automated behavioral and transactional insights, enabling real-time monitoring and allows to identifying deviations from expected behavior to effectively preventing scams.
CVM Analytics
Leverage detailed transactional patterns to segment customers into truly actionable profiles, enabling personalized services and products. We provide in-depth insights into customer activity for precise share of wallet estimation. This allows us to identify real opportunities to enhance your customers' share of wallet.
Transaction categorization
Get granular financial activity patterns for superior customer understanding. Our Advanced Categorization Engine accurately identifies transaction purpose by leveraging years of experinece instilled into bleeding-edge AI models .
Account Verification
Our solution enables instant, secure, and fully digital customer account verification. This paper-free process accelerates onboarding and streamlines compliance. It significantly enhances operational efficiency trough secure connection.
Advisory Services
We partner with our clients to holistically strengthen their risk management capabilities. Our team of seasoned risk and consulting professionals leverages deep expertise across the entire risk spectrum – from credit to non-financial – and throughout the value chain, enabling clients to precisely define and successfully embed their risk appetite within critical business decisions, informed by extensive regulatory experience in Europe.
