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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.

  • Make faster decisions

    Automate affordability, streamline underwriting and shorten customer journeys.

  • Increase acceptances

    Accurately assess thin-file and previously overlooked customers.

  • Reduce defaults

    Access proven predictive features derived from new data sets.

A suite of solutions for all your credit needs

Income Verification

We make it simple to 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

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.

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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.

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.

How we help our clients


Faster evaluation time


Increase in acceptance rates


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

Paylink Solutions 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

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

We provide solutions across the lending industry

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

We're always happy to chat about how we can make Open Banking work for you.

  • Banking

  • Credit Cards

  • Unsecured Lending

  • Motor Finance

  • Mortgages

  • Retail Finance

  • Collections

  • Telecoms & Utilities

  • Tenant Vetting

  • Gambling

Get in touch to find out more or request a demo