Better and faster credit decisions

Credit Kudos is a challenger Credit Reference Agency and authorised Open Banking provider that uses financial behaviour to measure creditworthiness.

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Applying using Credit Kudos? Head to our Individuals page

Faster decisions
Increase acceptances
Reduce defaults

Solutions for all your credit needs

Streamline manual underwriting, and harness rich insights to enhance affordability assesments and reduce risk.

Income Verification
Identify income using Open Banking data:
- Predicted and historical monthly income
- Income sources, employer name, and industry
- Income Stability Scores: measures regularity of pay and length of employment
- Income Shock Indicators: flags for recent loss or reduction in income
Affordability Insights
Reduce time and cost assessing individuals:
- Breakdown of essential and non-essential expenditure
- Suggested and adjustable thresholds for affordability assessments
- Predicted and historical spending analysis
- Comprehensive view of balances, recurring expenditures and loan repayments
Risk Insights
Harness our unique credit risk insights and scores, built upon Open Banking and default data:
- Key Risk Indicators: gambling, loan repayments
- Recent income shock and distress
- Proprietary Open Banking scores
- Features that can be incorporated into any credit scorecards
- Bespoke data science and risk modeling services
Fraud Prevention
Use the latest technology to identify and reduce fraud:
- Bank-level customer verification, biometrics, and Strong Customer Authentication (SCA)
- Account holder name verification
- Sort code and account number matching
- Employer name check
- Fraud indicators: age of account, spending patterns, loans received
Customer Management
Use Open Banking to provide value and efficiency throughout the customer lifecycle:
- Predicted and historical income insights, including sources, benefits and income shock
- Breakdown of expenditure and obligations, including housing, utilities and loans
- Real-time bank account monitoring
- Range of deployment options including agent portal, full API integration and Standard Financial Statement

How it works

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.

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How we help our clients

4x

Faster evaluation time

+20%

Increase in acceptance rates

-50%

Reduction in default rates

What our clients say

“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 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
“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
“'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
Commercial Director, CarFinance 247
“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

Why Credit Kudos

Powerful predictive features

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.

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Best-in-class categorisation

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.

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Your customer journey, streamlined

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.

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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.