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Enrichment
Get insights into your users’ financial behaviour
Speed up your decision-making and cut costs by using enriched financial metrics to understand your users better.
Trusted by the leading financial innovators
Why trust Belvo
Data intelligence in our core
By connecting and analyzing transactions from millions of users through Belvo-powered apps, our machine learning models improve every day to benefit our customers.
We do the heavy lifting
Our solutions translate raw data into categorized and standardized information that is ready to use, saving time and effort to focus on what matters: building great products for your users.
Security is our obsession
Belvo uses bank-grade security standards and complies with privacy, security, and regulatory best practices and certifications, including ISO 27001.
Transform raw data into actionable insights
Categorization
Categorization: transactional data made clear
Automatically transform your customer’s raw transactional information into standardized items ready to be displayed and understood. Our industry-leading solution identifies categories and merchants with 90% coverage and 85% accuracy.
Income verification
Income verification: measure financial stability
Detect users’ income from bank accounts to get a real picture of their financial health and ability to pay. Access high accuracy data to improve your credit scoring models and reduce risks when granting loans.
Recurring expenses
Recurring expenses: understand financial habits
Understand users’ recurring spending patterns on platforms such as Netflix, gym subscriptions, and utility payments such as electricity. Obtain insights about their repayment risk for loans or offer them advice on how to improve financial health.
Risk insights
Risk insights: power up credit models
Access a complete set of high-quality enriched metrics about your customers’ financial health built on historical transactional data. Improve your underwriting processes with information from sources like checking accounts, credit history, and loans.
How our clients use enrichment
Streamlining access to credit with Monet
Learn how this Colombian fintech is using open finance to offer salary advances.
Transforming the personal loan market in Brazil
EmpreX is using open finance data to offer credit services at a reduced interest rate.
How Facio decreased credit risk by 50% with Belvo
With Open Finance data, Facio offers payroll loans with lower credit risk
“Our goal is to bring to Brazilians the option of embracing a new range of opportunities while paying affordable credit rates”
Bruno Vannucci
Head of Business Operations
Retrieve data with the most complete aggregation solution in Latin America
Access a wide range of financial data sources, from banking and fiscal to gig economy apps, to better understand your customers and offer personalized products.
We can’t wait to hear what you’re going to build
Belvo does not grant loans or ask for deposits