AI vs Fraud: Why speed and transparency now decide who wins
Powered by AI, synthetic identities and even deepfakes, the new wave of digital crime is evolving at machine speed, ...
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Real-time Clarity
Bring precision, efficiency, and transparency to every step of the credit decision process. Each tool in this kit is powered by real-time insights that improves accuracy, minimizes risk, and drives more confident, as well as responsible, lending.
Low Risk, High Reward
Manage risks without guesswork. With our sophisticated algorithms, you can mitigate risks by gaining a deeper understanding of an applicant’s financial profile, such as financial history, behaviors, and capacity to repay.
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Multi-layered
Analyze multiple financial data layers. Combine CRA, Open Banking and multiple consent-based data sources to deliver a complete data-rich profile.
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Automated Insights
Real-time data insights when it matters most. Identify key risk indicators and give behavior-based insights of applicants by automated real-time analytics.
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Customizable
Shape credit policies to fit your risk strategy, business goals, and compliance requirements with our adaptable scoring models.
Kreditz ALTA
Advanced Categorization 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.
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.
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Clients connect their bank accounts
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Transactions are analyzed and categorized
Kreditz ACE provides a 360-degree view of the client
Kreditz ALTA credit scoring variables are optional
Industries
Consumer Lending
Corporate Lending
Car Finance
iGaming
Real Estate
PFM
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Consumer 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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Corporate Lending
Get a complete view of a business’s financial health, including income streams, spending patterns, and credit capacity.
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Car Finance
Confirm a borrower’s latest income streams in real time to ensure eligibility and make confident decisions faster.
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iGaming
Keep the game fair and operations secure with live data, better security, and instant verification, all while staying compliant and protecting your players.
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Real Estate
Close deals faster and make informed decisions with real-time income verification. Assess financial capacity with precision, reducing risks and delays in tenant, buyer, and investor evaluations.
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PFM
Make personal finance smarter, simpler, and more actionable. Help users take control of their finances with real-time insights into spending, income, and affordability.
Learn moreIndustries
Consumer Lending
Make smarter lending decisions that complement your risk strategy by streamlining the lending process with real-time financial behavior analytics.
Learn more
Corporate Lending
Get a complete view of a business’s financial health, including income streams, spending patterns, and credit capacity.
Learn more
Car Finance
Confirm a borrower’s latest income streams in real time to ensure eligibility and make confident decisions faster.
Learn more
iGaming
Keep the game fair and operations secure with live data, better security, and instant verification, all while staying compliant and protecting your players.
Learn more
Real Estate
Close deals faster and make informed decisions with real-time income verification. Assess financial capacity with precision, reducing risks and delays in tenant, buyer, and investor evaluations.
Learn more
PFM
Make personal finance smarter, simpler, and more actionable. Help users take control of their finances with real-time insights into spending, income, and affordability.
Learn more
“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. ”
“Kreditz helped us build a fully automated gathering process where no manual verification documents are needed”
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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.
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.
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.
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