Skip to main content

Consumer lending

Enhance the decision-making process throughout the customer lifecycle, with our consumer lending solutions.

Applying using Credit Kudos? Head to our Individuals page

Dashboard with statistics

Products for the entire customer lifecycle

Use our products to streamline underwriting, improve accuracy in decision-making, and support customers after acquisition through our engagement tools.

  • 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
    Income verification for amount consistency, regularity and longevity

Powering leading companies

  • PwC
  • Cazoo
  • Curve

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 underwriting platform Atlas or Reports API.

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

Why Credit Kudos

Powerful predictive features

Our predictive features and risk models drive better outcomes for our partners, and their customers. Combining Open Banking and loan outcome data, we build decision-ready, predictive features and scores that have proven results – reducing defaults and increasing acceptances.

See how it works

Best-in-class categorisation

Our 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

Market-leading conversion

Access better data without compromising user experience. Our robust Open Banking journey has been built based on extensive consumer, UX and UI research, to deliver a journey that boosts engagement and minimises drop-off.

See how it works

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.

  • 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

We would like to collect data from your device while you use this website. We do this using cookies. You can find out more in our Cookie Policy. We use cookies to provide you with a good experience when you use our website, and for us to continue to improve that experience. Please select 'Accept all' to consent to us collecting your data in this way.