Credit Kudos is a challenger Credit Reference Agency and authorised Open Banking provider that uses financial behaviour to measure creditworthiness.
Applying using Credit Kudos? Head to our Individuals page
Streamline manual underwriting, and harness rich insights to enhance affordability assessments and reduce risk.
Identify income using Open Banking data:
Reduce time and cost assessing individuals:
Credit Kudos builds unique credit risk insights, scores, and models by linking Open Banking data to positive and negative credit outcomes.
Use the latest technology to identify and reduce fraud:
Use Open Banking to provide value and efficiency throughout the customer lifecycle:
Our Connect Flow enables you to seamlessly embed Open Banking into any lending journey, making it easy to access verified transaction data directly from financial institutions.
Your customer connects their bank accounts via Connect Flow
Credit Kudos instantly aggregates and analyses verified transaction data
View insights through our easy-to-use underwriting platform Atlas or reports API.
Faster evaluation time
Increase in acceptance rates
Reduction in default rates
“Through our data-driven partnership with Credit Kudos, we are now able to more quickly and more reliably assess income allowing us to responsibly increase lending volumes. This market-first partnership will change the way our customers, including the financially underserved, access financial services and products.”
Scott Cargill
CEO, Admiral Financial Services Ltd.
“By automating previously laborious data collection processes, we've been able to spend more time with customers. Not only does this drastically increase efficiency, but it reduces stress on an individual and results in a better, faster outcome for all.”
Susan Rann
CEO, Paylink Solutions
“Credit Kudos differentiates itself from alternatives with a truly slick customer journey and a powerful vision of how customers’ personal information can drive better outcomes.”
Matt Nunn
Head of Credit, Bamboo
“Credit Kudos’ Open Banking empowered technology has been instrumental in helping us lead the charge in the sector, ensuring proper affordability checks and responsible lending to our customer base.”
Philip Belamant
Zilch CEO & Founder
“Introducing Credit Kudos as an essential part of our service has helped Goodlord scale efficiently and create the best tenant referencing experience.”
Kat Wynne-Ellis
Head of Referencing, Goodlord
“Credit Kudos were by far the most suitable provider of Open Banking we spoke to and has immediately shown benefit to our operational activities.”
Stephen Mazurek
IT & Innovation Manager, Police Credit Union
“'Having evaluated all the Open Banking offerings on the market, we elected to work with Credit Kudos due to their superior credit decisioning track record and product capability.'”
Alex Hurst
Managing Director, 247 Money
We’re the experts in building risk models and predictive features on top of Open Banking data. Harnessing advanced machine learning approaches, we combine transaction data with loan outcomes to accurately predict risk - helping you increase acceptances without increasing your risk appetite.
See how it works
Our proprietary multi-layered classification engine uses state of the art modelling techniques and millions of real transactions to categorise a report’s financial data.
See how it works
Access better data without compromising user experience. Our Open Banking journey, Connect, makes applications shorter and faster, boosts engagement and minimises drop-off.
You can get started straight away with insights developed specifically for credit risk and affordability.
See how it works
Safe and secureOur technology was built from the ground up with security and privacy at its core. We’re integrated with some of the largest lenders in Europe and have trusted connections with major financial institutions.
Authorised and regulated by the Financial Conduct Authority.
We work with lenders, brokers, banks and other financial institutions to easily incorporate complex data sets into a wide array of applications.
We worked with a major credit card provider to evaluate our machine-learning models’ ability to predict the probability of customer default.
How a Guarantor lender increased acceptances for thin files using Credit Kudos’ rich insights built from Open Banking data.
How Police Credit Union streamlined their member journey and enhanced their decisioning using our rich affordability and risk insights.
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