Verify, understand, de-risk and upsell in seconds using comprehensive financial data from your customers by using the following products:

Financial transaction data
Provides seamless access to harmonized data from over 3,000 institutions across Germany, Austria, Spain, and Portugal. Users can connect one or multiple accounts through an intuitive process, offering a comprehensive 360° view of their financial status.

Payment Iinitiation
Customer can enable their end users to initiate a standard SEPA bank transfer directly from their bank account without any media interruptions (no instant payments yet).​

Categorisation
Designed to convert raw transaction data into actionable insights. The data is sorted into about 21 main categories with over 100 subcategories for retail use cases. It can further be sorted by contract or payment partner recognition.​

Financial ident verification
Allows customers to seamlessly verify account ownership through real-time access to an end user’s bank account, ensuring swift and secure customer onboarding.

Disposable income verification
Uses a one-time access to account transactions to calculate the end user’s liquidity. For this, enriched financial data is used to calculate the available income of an end user after all fixed costs (=disposable income) and further after variable costs (=discretionary income).​

Risk insights
Enhanced risk decisioning by utilizing up-to-date information about applicants’ risk behavior, income, spending habits. A hassle-free experience through a seamless, fully digital application process.