Better data. Better decisions.
Approve more customers and reduce risk with Open Banking products built specifically for lending.
Open Banking insights and scores
API for automated decisions
// Request
curl -H "Authorization: Bearer {ACCESS_TOKEN}" https://api.creditkudos.com/v3/reports/1/accounts
// Response
{
"data": {
"accounts": [{
"id": 1,
"name": "Ultimate Reward Account",
"holderNames": [
"John Doe"
],
"holderNameMatch": {
"matchStatus": "full",
"matchElements": [
{ "field": "firstName", "matchStatus": "full" },
{ "field": "lastName", "matchStatus": "full" }
]
},
"type": "current",
"parentType": "personal",
"iban": null,
"sortCode": "000201",
"accountNumber": "12345678",
"provider": {
"code": "lloyds",
"name": "Lloyds"
},
"bookedBalance": {
"value": "11800.00",
"currency": "GBP"
},
"limit": {
"value": "100.00",
"currency": "GBP"
},
"openBankingDataFetchedAt": "2020-01-17T11:01:00Z",
"openBankingLastFetchAttemptAt": "2020-01-17T11:00:00Z"
},
{
"id": 2,
"name": "Classic Account",
"holderNames": [
"mr J Doe"
],
"holderNameMatch": {
"matchStatus": "full",
"matchElements": [
{ "field": "firstName", "matchStatus": "full" },
{ "field": "lastName", "matchStatus": "full" }
]
},
"type": "current",
"parentType": null,
"iban": "GB12CKCK00020212345678",
"sortCode": null,
"accountNumber": null,
"provider": {
"code": "first_direct",
"name": "First Direct"
},
"bookedBalance": {
"value": "2600.00",
"currency": "GBP"
},
"limit": null,
"openBankingDataFetchedAt": "2020-01-17T11:01:00Z",
"openBankingLastFetchAttemptAt": "2020-01-17T11:00:00Z"
}]
},
"meta": {
"previousPage": null,
"nextPage": null,
"totalResources": 2
}
}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 risk
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 Bank 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.
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.
![Admiral logo]()
“'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
![CarFinance 247 logo]()
“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
![Zilch logo]()
“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
![Goodlord logo]()
“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
![Bamboo logo]()
“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
![Police Credit Union logo]()
“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
![Paylink Solutions logo]()
“Providing our customers with first-class user experience is incredibly important to us and using Credit Kudos’s advanced Open Banking insights enables us to streamline the lending process from start to finish, as well as make significantly faster decisions. Our partnership will also help us to responsibly offer loans to even more people, ensuring they have access to credit options that are right for them.”
Natalie Trist
Chief Credit Officer
![Moneybarn logo]()
“Using Credit Kudos’ advanced Open Banking insights, we can give customers a simpler, fairer and faster experience, create a repayment plan that is manageable for their personal financial situation and set them on the path to better financial health.”
Amon Ghaiumy
CEO and Co-Founder
![Ophelos logo]()
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.
See how it worksBest-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.
See how it worksYour 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.
See how it worksOngoing 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![Security icon]()
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.
- 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.
- 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.
Get in touch to find out more or request a demo
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