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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.

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 assessments 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
  • 247 Money
  • Admiral
  • Atom bank

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.

  • Connect with CK button illustration

    Your customer connects 
their bank accounts via Connect Flow

  • List of banks illustration

    Credit Kudos instantly aggregates and analyses verified transaction data

  • Report is created illustration

    View insights through our easy-to-use underwriting platform Atlas or reports API.

How we help our clients


Faster evaluation time


Increase in acceptance rates


Reduction in default rates

What our clients 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.

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 works

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.

See how it works

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.

See how it works

Security iconSafe 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.

  • credit union

    Police Credit Union Case Study

    How Police Credit Union streamlined their member journey and enhanced their decisioning using our rich affordability and risk insights.

Get in touch to find out more or request a demo