AI vs Fraud: Why speed and transparency now decide who wins
Fraud is moving faster than the systems built to stop it. At Kreditz, we’ve ...
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Solution Categories
Each solution offers a curated collection of powerful products designed to streamline your workflow. Pick a category and explore further.
Financial Indicators
Optimize your risk management and drive customer value through highly accurate, granular insights across all financial assets, liabilities, income, and spending. Our unified intelligence enables precise liquidity forecasting of businesses based on recurring cash flows.
Credit Risk Insights
Make better lending decisions with significantly reduced credit losses. We enable our clients to define policy rules, make real-time affordability assessments, and obtain an accurate creditworthiness based on Kreditz Open Banking data and tailored scoring models.
Non-Financial Risk Insights
Enhance your non-financial risk management and compliance by accurately identifying dubious income, detecting social engineering and flagging suspicious transactions, while distinguishing them from valid activity. Our automated behavioral and transactional insights, enable real-time monitoring and allows for identifying deviations from expected behavior to effectively preventing frauds/scams.
Customer Value Management
Leverage detailed transactional patterns to segment customers into truly actionable profiles, enabling personalized services and products. We provide in-depth insights into customer activity for precise share of wallet estimation. This allows you to identify real opportunities to enhance your customers' share of wallet.
Advanced Categorization Engine (ACE)
Gain deep, granular insights into financial activity for superior customer understanding. Our Advanced Categorization Engine accurately identifies transaction intent by combining years of domain expertise with cutting-edge AI models.
Account Verification
Our Account Verification solution enables instant, secure, and fully digital customer bank account verification. This paper-free process accelerates your onboarding and streamlines compliance. It significantly enhances your operational efficiency.
Advisory Services
Strengthen your risk management capabilities with the help our team of internationally seasoned risk- and consulting professionals. Leverage deep expertise across the entire risk spectrum – from credit to non-financial – and throughout the value chain, enabling you to precisely define and successfully embed your risk appetite and reach your business risk goals.
Our Awards
Although our clients are our greatest awards, here are a few awards & nominations we're really proud of.
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Real-Time Data Sources
Real-time data means real-time decisions. Stay ahead of the game by combining all relevant data sources. No more missing data points, no more waiting, no more guessing.
ACE Up Your Sleeve
Kreditz ACE, our Advanced Categorization Engine, cuts through the complexity of financial data to reveal detailed income and spending patterns with unmatched industry precision.
Experience Matters
Our founding team has built lending- & decisioning platforms as well as countless credit scoring policies to learn that one size does not fit all. That’s why we’ve created a range of solutions that can be customized to meet your specific needs.
Industries
Consumer Lending
Corporate Lending
Car Finance
iGaming
Real Estate
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Consumer Lending
Next-Gen Lending is here. Real-time Affordability and Income Verification that helps you automating credit risk with personalized affordability assessments, policy rules and credit scores.
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Corporate Lending
Make smarter lending decisions that complement your risk strategy by streamlining the lending process with real-time financial behavior analytics.
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iGaming
Automate your AML-process and eliminate money laundering by verifying your clients source of funds and affordability from their bank account.
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Real Estate
Automate income verification and credit risk assessments based on real-time data.
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Industries
Consumer Lending
Next-Gen Lending is here. Real-time Affordability and Income Verification that helps you automating credit risk with personalized affordability assessments, policy rules and credit scores.
Learn more
Corporate Lending
Make smarter lending decisions that complement your risk strategy by streamlining the lending process with real-time financial behavior analytics.
Learn more
iGaming
Automate your AML-process and eliminate money laundering by verifying your clients source of funds and affordability from their bank account.
Learn more
Real Estate
Automate income verification and credit risk assessments based on real-time data.
Learn more
Traditional Credit Bureau Data
1973
Open Banking/ PSD2
2018
Open Finance/FiDA/ PSD3
2026/27
Open Data
2023/40
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“Since the new process began in December 2023, Skanska Rental has had zero cases of fraud, losses have decreased, and bankruptcies among customers have decreased as they choose more carefully. ”
“In addition to cutting credit losses in half, Collector Bank has also been able to reduce fraud-related costs by around 50 percent”
“Kreditz helped us build a fully automated gathering process where no manual verification documents are needed”
Gain Access Now
Ready to head into the new real-time insights universe? Book your demo and get a front-row seat to the future of credit scoring.
Quick Answers
What’s the difference between Kreditz and a data aggregator?
Kreditz and a data aggregator play different roles.
A data aggregator is primarily focused on connectivity and coverage. Their job is to connect to as many banks and ASPSPs as possible and deliver access to account and transaction data. In many cases, they provide little or no interpretation of that data.
Kreditz is not a data company. We provide AI-driven, real-time credit and risk intelligence that empowers financial decisions by applying the right data sources, including Open Banking, inside ready-to-use solutions. Our core strength is what happens after connectivity: we enrich, interpret, and categorize transactions with high accuracy, turning raw bank data into actionable insights that fuel next-gen scoring, affordability, income verification, fraud detection, and decision automation.
We may use aggregators for bank coverage, but Kreditz is the layer that makes the data useful by transforming it into real intelligence and outcomes for credit, risk, and compliance.
How does the real-time credit scoring solution work?
Our credit scoring solutions use real-time bank transaction data to provide an accurate picture of the customer's financial health, including current income and affordability. This allows you to make more informed lending decisions compared to using traditional credit bureau data which is based on static data points such as +12 month old taxation data. Our credit scoring solutions provides you with the missing pieces of the puzzle that helps you make individually optimized decisions.
What happens if a customer's affordability changes over time?
We offer a 180-day monitoring service that tracks the customer's financial situation, updating the data four times daily. This allows you to adjust credit limits or take preemptive actions if a customer's financial situation deteriorates.
Can we customize the credit decisioning rules?
Yes, our decisioning engine can be customized with your specific policy rules. For example, you can exclude customers with less than €1,000 in average monthly affordability over the last six months, or any other type of rule that fits your risk appetite. If you're unsure of how to apply this potent new data, our team of seasoned risk consultants and data scientists are at your disposal.
We only want to collect the last 6 months of data, is that possible?
Yes, you can select the time period for data retrieval to match your desired interval.
Can you collect data older than 12 months?
Generally, we get 12 months of Open Banking data (due to regulatory thresholds) but some banks are willing to share up to 24 months of data.
How long does it take to get started with the Kreditz VISTA - the web tool?
You can be up and running within a week without customization. If you require any custom design edits it may take an additional 1-2 weeks in order for us to ensure that you and your customers are granted a conversion-friendly experience.
Why is your categorization accuracy so high compared to competitors in the market?
Kreditz has been in the market since the beginning of PSD2 and is built by credit- and risk experts who saw the need to enrich data to a scrutinizing level in order to be able to build solid bank-level products. By working on top of the data aggregation layer, Kreditz continuously compares categorization accuracy levels from different providers to ensure that we fill the missing holes in the datasets by adding our own categorization on top. By utilizing AI & ML since 2018 our categorization models have been, and are constantly, trained to improve categorization accuracy so that you can focus on your core business.
What's New
Want to learn about Open Banking or just curious about the latest business trends? Explore our resources for fresh insights, industry updates, latest technologies, and much more.
