Open Banking
Services
Gain an in-depth understanding of your customer's financial status through automated analysis of their banking transactions.
Make informed decisions based on an instant assessment of your prospects' and clients' solvency.
Transactions labelling
Your client's banking transactions organized in 100+ categories focusing on what is relevant for credit scoring.
Budget check
Automated expenses and income identification.
Credit scoring
Evaluate the credit worthiness of your client relying only on the analysis of the banking transactions.
Fraud detection
Detect automatically false information and unusual activities
White label platform to manage banking connections
Guided and iterative connection process to extra bank accounts thanks to the assessment of the level of activity/usage on the bank accounts
Data output available in our platform or via API
Transactions labelling
Budget check
Credit scoring
Fraud detection
Matthias Dupont
Transactions labelling
- Broad list of available labelling categories
- Access to raw data fields as well as to derived data fields
- Derived data fields such as derived total income of the borrower or derived salary replacement
- Warnings and alerts
- Reliability score: confidence level in the labelling
Exclusive categorization methodology
Cleaning
Get context(optional)
Information from loan request (or other): co-borrower, declared salary, employer
Payment method
Counterparty extraction
Identify various potential categories
Using different techniques/models
Select most suited category
Based on confidence and priority
SpendTracker Belgium
Discover our transaction labelling in action with SpendTracker Belgium, the first automated study on the expenses and incomes of Belgians, based solely on banking transactions.
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Budget check
Monthly payment capacity calculation based on your rules.
- No need of long form to be filled in
- No need to gather extra document
- No need of human check.
Based on our exclusive categorization methodology we give you a full view on the income and expenses of your client up to 12 months in history.
Credit scoring
- Credit worthiness score
- Possibility to rank the computed score using a payment default model and the related expected likelihood.
- Customizable scorecard
Matthias Dupont
Fraud detection
- Real time access to users' financial data
- Automated confirmation of other evidences information.
- Account holder identity verification
- Unusual activity detection
Effortless integration with your current processes
Fintensy white label platform to manage banking connections : requesting financial information from your customers is now more secure and simpler than ever before.
Automatically redirect your users or provide a link to the white-label Fintensy platform.
The user connects with their banks.
The user is redirected back to your environment.
Data and information are made available via API and our platform.
Already managing your clients' bank connections? Send banking transactions to Fintensy by API, and we'll process and return them to you
Discover our expertise
in action
MyProved · Evaluate the financial health of an individual with a single click
MyProved is a trusted third-party providing evaluation of the (re)payment behavior of an individual.
The individual's financial health assessment is performed through the analysis of bank transactions collected using Open Banking connection and based on the individual's consent.
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mozzeno · Lending platform
mozzeno uses Fintensy's Open Banking services to accelerate borrower onboarding, automatically verify their data, detect fraud and assess their creditworthiness.
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