Product Launch: Open Banking decision engine

Better data for better decisions

We build products using Open Banking so credit providers can approve more people and lower risk.

Powering leading companies

Products for the entire customer lifecycle

We build intelligent products so businesses can leverage Open Banking to enhance affordability and risk assessments. As a credit reference agency, our predictive insights are built by combining transaction and loan outcome data and are available through our API or underwriting platform, Atlas.

Use our products to streamline underwriting, improve accuracy in decision-making, and support customers after acquisition through our engagement tools.

Faster decisions
Automate decisioning, streamline underwriting and shorten customer journeys.
Increase acceptances
Use comprehensive insights to grow your loanbook, without increasing risk.
Reduce defaults
Access proven predictive features derived from new data sets to reduce risk across your business.

Consumer lending

Enhance the decision-making process throughout the customer lifecycle, with our consumer lending solutions:

Income Verification
Affordability & Vulnerability
Risk Insights
Fraud Prevention
Customer Mangement

Commercial lending

Get an accurate, comprehensive and real-time view of a business’ current financial situation, with our commercial lending solutions:

Automated Banks Statement Collection
Cashflow & Relationship Insights
Debt & Repayment Insights
Risk & Liquidity Insights

Bank Payments

Enable your customers to set up a direct payment to you from their bank account in seconds, using Open Banking. Open Banking Payments are cost-effective, help protect against fraud, and provide a smoother customer experience.

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How we help our partners

4x Faster evaluation time
15% Increase in acceptance rates
5.7% pointReduction in default rates
26% pointIncrease in conversion

What our partners say

“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.
“'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
“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 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 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
“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

Why Credit Kudos

Powerful predictive features

Our predictive features and risk models drive better outcomes for our partners, and their customers. Combining Open Banking and loan outcome data, we build decision-ready, predictive features and scores that have proven results – reducing defaults and increasing acceptances. 

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Best-in-class categorisation

Our classification engine uses state of the art modelling techniques and millions of real transactions to categorise a report’s financial data.

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Market-leading conversion

Access better data without compromising user experience. Our robust Open Banking journey has been built based on extensive consumer, UX and UI research, to deliver a journey that boosts engagement and minimises drop-off.

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Expert advice

We make sure you unlock all the advantages of better data across your business, by partnering you with a dedicated Customer Success manager. Our team works with you to understand your business challenges and goals, so we can give you ongoing expert advice on how to make our data work best for your company.

Book a meeting with the team

Safe and secure

Our 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 provide solutions across industries

We work with lenders, brokers, banks and other financial institutions to easily incorporate complex data sets into a wide array of applications.

Banking
Credit Cards
Tenant Vetting
Unsecured Lending
Retail Finance
Telecoms & Utilities
Motor Finance
Mortgages
Collections
SME
Gambling
Insurance

credit card
Predicting Customer Default
We worked with a major credit card provider to evaluate our machine-learning models’ ability to predict the probability of customer default.
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guarantor
Increasing acceptances using Open Banking
How a Guarantor lender increased acceptances for thin files using Credit Kudos’ rich insights built from Open Banking data.
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MOTOR FINANCE
Enhanced credit decisioning in Motor Finance using Open Banking insights
CarFinance 247 has used Credit Kudos to enhance its affordability and credit assessments using enriched data, streamline its customer journey, and provide an additional layer of protection against fraudulent applications.
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