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Better and faster credit decisions

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

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  • 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.

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 for previously overlooked applicants - 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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Fast affordability assessments

No more requesting bank statements or payslips. We instantly identify and verify income and expenditure directly from a borrower's bank.

Easily automate affordability assessments using our API to get highly accurate, real-time information. For manual underwriting, use our easy to use web tool, Atlas.

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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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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

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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

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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.

  • Motor finance

  • Retail Finance

  • Mortgages

  • Credit Cards

  • Banking

  • Tenant Vetting

  • Short-Term Lending

  • Debt Advice & Management

Get in touch to find out more or request a demo