Collector Bank
Find out how Kreditz tools transformed Collector Bank manual processes, minimizing errors and fraud risks.
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 Highlights
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Real-time income verification embedded into consumer loan journeys.
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+50% conversion improvement through white-labeled flows.
Direct Bank Data Access
Verify salary and income directly from bank account data, eliminating the requirement for manual documents such as payslips or employment contracts.
Credit Risk Insight
Evaluate creditworthiness with advanced scoring models and affordability insights tailored to each applicant.
Ahead of the Threat
Designed to detect irregularities across multiple data sources and adapt to evolving threats, keeping your company one step ahead at all times.
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.
Saldo Bank
Explore how Kreditz helped Saldo Bank replace document-based verifications with a faster, secure, and fully digital ...
Santander
Find out how Santander uses Credit Risk Insight to support secure credit decisioning across multiple product areas
DNB Finance
Learn how DNB Finance shifted from document-heavy underwriting to real-time, Open Banking–powered decisions with Kreditz
Kreditz ALTA
Advanced Categoryzation Engine
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.
Advanced Categorization Engine (ACE)
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.
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
Markets
Sweden and broader Nordics
Use Case
Kreditz enables these brokers to screen and prequalify applicants using Financial Indicators Solution before forwarding them to lending partners. Includes joint household financial aggregation and high-converting white-labeled iFrame integration.
Impact
- Higher conversion rates via quality lead optimization
- 60% application form pre-fill using Kreditz data
- Cost savings on traditional credit bureau checks
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 KALP assessment used in mortgage approvals
- Custom scoring models built using PSD2 data
- Household-wide affordability view for joint applicants
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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
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
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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
