Risk insights
Build smarter
risk models with real-time data
Automatically transform raw bank transactions data into clean metrics. Understand payment capacity to approve more loans with lower risk.
Trusted by the leading financial innovators
Built by lenders,
for lenders
Standardized data
We clean and unify diverse transaction records. Get a clear view of user behavior without the manual data heavy lifting.
Instant approvals
Access real-time features to approve credit products in seconds and increase your conversion rates.
Automated logic
We continuously update our feature engineering so your models stay accurate with the latest industry patterns.
Verified Open Finance data
Use direct banking connections to retrieve clean, structured transaction history that is ready for your credit models.
refine your Risk & Personalization Strategies
Strengthen risk assessment
Go beyond traditional data by analyzing income patterns and spending behavior through Open Finance data to build a complete risk profile.
Optimize credit scoring models
Integrate advanced metrics on assets, existing loans, and balance evolution to identify high-value users and reduce default rates through precise data.
A comprehensive list of cleaned and pre-calculated features
Categories
Understand your customer’s spending patterns, as well as the composition and nature of their daily transactions.
Balance
Get a picture of your customers’ overall financial health by looking at the amount of funds in their accounts over time.
Transactions
Understand your customers’ income and spending patterns (transactionality) and their financial habits.
Credit cards
Identify and understand your customers’ credit card usage habits.
Loans
Assess customers’ borrowing, repayment behavior and their ability to take on additional credits.
Cashflow
Gain insights into your customers’ cash evolution. We filter internal transactions to provide a better and more clear picture of the financial patterns of your users.
Assets
Get a snapshot of your users’ wealth and liquid assets.
How does it work?
Continue reading
A detailed guide, step by step
Learn more about how your data science team can quickly create, iterate and validate their models with risk insights.
Check our API documentation
Start using risk insights and integrate it quickly within your internal processes.
High-accuracy income verification
Verify your users’ income and financial stability using our machine learning and artificial intelligence-powered models.