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High-Precision AI Categorization
Automatically classify consumer and business transactions with exceptional accuracy using advanced AI models and a proprietary category framework.
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Deep Behavioural & Operational Insights
Transform raw transaction data into meaningful insights, revealing spending patterns, financial behaviours, and business activity with clarity.
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Up-to Date Intelligence
Benefit from a categorization engine that continuously learns and adapts to new transaction types, ensuring relevance, precision, and long-term reliability.
Fraud Comes in Many Shapes and Sizes
Fraudsters continuously adapt their tactics, and so should you. Analyze bank transaction data in real time to identify suspicious behavior such as unusual cash deposits, irregular transfers, or inconsistencies in income sources.
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No More Manual Verification Hassles
Manually verifying documents like pay stubs and employment contracts is time-consuming and often unreliable. We simplify the process by accessing income data directly from bank accounts, giving you higher accuracy, faster processing, and fewer risks from forged documents.
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Consumer Products
Precisely categorize transactions with our AI-powered engine, automatically assigning each entry to our proprietary set of impact categories.
This creates a clean, structured, highly accurate view of customer financial behavior with no manual work required, enabling clearer insights, better decisions, and more personalized financial products and services.
Business Products
Decipher complex or ambiguous business transactions using dynamically updated data and proprietary AI.
Our engine detects patterns, anomalies, and business-specific behaviors to classify transactions with high accuracy, streamlining financial analysis, strengthening risk assessments, and revealing deeper insights into company operations.
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
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.
Learn more.png)
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.
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.
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.