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How it works

We’ve developed a suite of products and services to help you harness Open Banking data to make better credit decisions.

Connect with Open Banking

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.

See insights at a glance


Our easy-to-use underwriting platform Atlas displays rich insights on top of Open Banking data. Simply sign in and start making your lending process easier.

Atlas report dashboard illustration

Reports API

Our Reports API allows lenders to fully or partially automate decisioning, use Credit Kudos data in existing risk models, or integrate Credit Kudos data into your underwriting platform.

Sample API response

Bespoke services

We make it easy to harness rich financial data to better understand and manage credit risk.

Leverage our expertise in Open Banking for lending journeys across all borrower types and credit risk profiles.

  • Automated credit decisioning

  • Customised machine learning models

  • Bespoke credit scores and features

Get in touch to find out more or request a demo


  • Winner

    Best Credit Information Partner

    Credit Strategy Lending Awards 2020

  • Winner

    Credit Information Partner of the Year

    Consumer Credit Awards, 2020

  • Winner

    Innovation of the Year

    Consumer Credit Awards, 2020

  • Winner

    Fintech Innovator of the Year

    TechWorld, 2019

  • Winner

    Best Technology Provider

    CCS Awards, 2019

  • Winner

    Best Use of Technology

    IAFN Awards, 2019

  • Finalist

    Innovation of the Year

    Consumer Credit Awards, 2019

  • Winner

    Machine Learning in Credit & Collections Solution

    Credit & Collections, 2019

  • Finalist

    Affordable Credit Challenge

    Nesta, 2019

  • Finalist

    Best New Innovation In Driving Frictionless Digital Financial Distribution

    FDATA, 2019

  • Winner

    Credit & Collections Technology Powerlist

    Credit Connect, 2019

  • Winner

    Tech Nation Fintech Programme

    Tech Nation, 2019