We’re fixing Credit Scoring

Credit Kudos uses transaction data to build high accuracy scorecards & affordability metrics.

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Credit Kudos lets lenders instantly ascertain an individual's suitability by allowing an applicant to connect and share data directly from their online bank.

Whether it's through our online Underwriter Portal, or through our industry-standard, OAuth 2.0 JavaScript plugin for your own online application process, gathering income and expenditure data has never been as instantaneous, straightforward and painless.

Developer Friendly API

Once a user connects, we provide instant analysis via our intuitive API.

  1. fingerprint Identify

    We can verify crucial details such as statement address, full name, date of birth. As well as enabling all important KYC checks, this also removes unnecessary form-filling for your users.

  2. business Assess

    We provide an easily-digestable overview of financial situation as well as more fine-grained metrics ready for further affordability calculations.

  3. traffic Decidebeta

    Our risk engine allows you to retreive information pertaining to a given user’s calculated risk. The engine models risk by modelling behaviour across a large number of metrics, for more information please email us.

  "user": {
    "first_name": "Joe",
    "last_name": "Bloggs",
    "dob": "1985-03-15",
    "email": "",
    "address": ["57 Moulton Road", ...]
  "accounts": [
      "name": "Classic Account",
      "nature": "account",
      "currency_code": "GBP",
      "balance": "2004.24"
    # ...
  "income": [
      "description": "Bonanza Produce Stores PAYE",
      "expected_date": "2016-01-25",
      "average_amount": "1100.0",
      "total_to_date": "3300.0"
  "score": {
    "transaction_variance": 0.2411,
    "benfold_deviation": 0.1534,
    "expected_spend": "482.21"

Online Underwriter Portal

Our online dashboard allows you to issue one-time affordability requests via email and view the results immediately in your web browser.

All you need to get going is a username and password. No IT integration effort or development time necessary.

Our process makes manual verification of applicant's income and expenditure much more secure compared to emailing bank statements, far less intrusive than a home visit, and much faster overall.


Let’s Talk

Credit Kudos is already helping to support new applications at a number of trial lenders and brokers in the UK. Our goal is to scale out to mainstream lenders and credit providers by mid-2016.

If you are interested in participating in the trial or have other questions, please email us or use the adjacent form to register your interest.

Schedule a product demonstration…


We’ve teamed up with a number of prominent vendors in order to deliver Credit Kudos decisions.