Finclude Score

Incorporating PSD2 data into the credit assessment process should be easy. Finclude makes it possible.

Finclude collects and transforms individuals' PSD2 transactional data for use by financial institutions. We harness the power of financial and transactional data to be used to assess affordability, credit risk, and beyond.

We help you request data, make sense of it, and incorporate it into future decision-making.

Our products are designed to give your customers the best experience, make your developers' lives easy, and help you stay ahead of the curve.

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Finclude Score

Verification

KYC & Financial info Verification

Decision Support

Creditworthiness & Affordability Check

API

Integrate the power of Finclude in your processes

KYC and Financial info Verification

Trying to calculate the actual affordability of your existing and future customers used to be risky business. Thanks to Finclude, bank account verification just got a whole lot easier. With Finclude you are able to quickly quantify your customer's actual income and spending behavior, based on their transactional history. This gives you a real time view of their financial position, adding a valuable datapoint to your credit assessment processes.

Our platform assists financial institutions in extracting valuable information from the customers’ data, enhancing decision-making as a result. The credit applicants’ financial assets and transactions can be verified in real time, with his/her consent for extracting the data directly from their bank accounts.

After a series of quick evaluations, our analytics engine assesses instantly the individuals’ financial status and credit health, so as to feed financial services credit assessment tools.

The Finclude platform provides financial institutions with insightful financial behavior profiles for their potential customers, enabling the assessor to get a holistic view of each applicant’s financial situation.

Insights:

  • Instant income detection
  • Credit funds usage observation
  • Instant verification of individual's bank data
KYC and Financial info Verification
KYC and Financial info Verification
Creditworthiness and Affordability Check

Creditworthiness and Affordability Check

Finclude is a dynamic and inclusive indicator of an individual's likelihood to repay debts that adapts to the maturity of the individual's credit history. It identifies and captures unique and highly predictive behavioral signals for individuals from the point of each transaction, so as to enable better insights for credit decision making. Our scoring calculations are based on assessing the individual’s transactional behavior, so we can accommodate applicants with thin credit files. Most credit assessment tools rely almost entirely on debt repayment history and respective credit events, excluding data points derived by analyzing transactions.

By partnering with Finclude, financial institutions can expand retail credit target markets through data driven risk evaluation with actionable insights, not available by traditional credit score providers.

Benefits:

  • Unique insights from financial behavior data
  • Harness richer data sets to better assess credit risk
  • Cross-Border transactional history insights
  • Creditworthiness assessment
  • Affordability calculation

Integrate the power of Finclude in your processes

Finclude offers an API that enhances existing banking offerings with the ability to automatically verify applicant's identity, account number, income sources, and balances in real time. Evaluate more accurately the financial behavior of your users based on their transaction history.

Benefits:

  • Enhance customer experience with an all-digital offering
  • Integrate seamlessly to your service so as to launch instant credit products
  • Minimize the users friction when it comes to creditworthiness & affordability checks
Integrate the power of Finclude in your processes
Integrate the power of Finclude in your processes