Verify with bank
Select bank
Authenticate
Application processed
Approval
Key data points
Get a deeper understanding of your customers’ finances with Risk Insights.
Gambling vs income
Track the income spent on gambling over 1 week - 12 months
Loans
View the total amount of loans, repayments and repayment to loan ratio up to 12 months.
Overdrafts
See number of days in overdraft, total transactions with (-) balance and more.
Collections
Review the number of payments & the sum of payments made to collection agencies.
How can Risk Insights help you?
Learn how Risk Insights can help you gain a clearer picture on an applicant’s creditworthiness and approve with more confidence.
Seamless and accurate risk decisioning
A seamless way of determining a customer's risk exposure at the time of application and gain a clear understanding of their financials.
Gain confidence on marginal approvals
Tink offers a granular way of determining the applicant's income, expense and risk behaviour highlighting their risk exposure and affordability.
Risk Insights in numbers
+40%
Higher GINI score
25%
Reduction in credit loss
x10
Model uplift compared to bureaus
Meet the Tink platform
An ever-expanding suite of tools, SDKs, resources and guides developers use to build great products.
Tink API
One integration connects you to
6,000+
Connections to all major banks across Europe
18
countries across Europe
Tink Link
Fully-managed end-user authentication
Authenticate millions of end-users across Europe through a link
All translations, local nuances and compliance taken care of
Flows are constantly improved based on data and testing
Customisable colours and fonts to match your brand guidelines
Tink Link
Fully-managed end-user authentication
Authenticate millions of end-users across Europe through a link
All translations, local nuances and compliance taken care of
Flows are constantly improved based on data and testing
Customisable colours and fonts to match your brand guidelines
Tink Console - your open banking control panel
Easily tap into the world of open banking with the Tink Console – an intuitive developer interface that lets you access financial data and configure, customise, and manage your applications.
‘Best Developer Dashboard’
DevPortal awarded Tink as ‘Best Developer Dashboard’ for providing a great developer experience.
Setup and configuration
Configure, customise, manage, and deploy access to the financial data powering your apps.
Usage reports
Get real-time usage and performance reports without the need for a third-party solution.
Team roles
Give the right level of access to team members within your organisation.
Explore the full range of products through Tink Console, using test bank data for the complete testing experience. Dive into guides, resources and sample projects below to help you get up and running with your account.
Documentation
Easy-to-follow guides, API reference and sample projects
Introduction to Risk Insights
Risk Insights lets you perform end-user’s risk assessments directly from their bank transactions through an API.
Perform your first risk assessment
This article will help you get started with Tink’s Risk Insights product by fetching the bank transactions of an end-user in JSON format.
Test your integration
Validate your information with error cases and market-specific data.
Market coverage
Click on the flags to explore each country’s connection capabilities
When will my country be covered?We’re always looking to improve and expand our services. If you’d like to use this product outside of our current coverage please contact us.
Related reading
Improve risk assessment and application processes with data-driven Risk Insights
Creating detailed risk profiles can be hard. But we have a new product to solve that. Find out how Tink’s Risk Insights is giving lenders more information to go on – while also improving the application process for consumers.
3 ways lenders can take advantage of open banking
Find out how the lending industry can benefit from open banking, and how they can leverage new tech capabilities to improve the user experience, reduce costs, increase operational efficiency and optimise results.
Tink acquires Instantor
We’re ecstatic to announce Tink is teaming up with Instantor, a leading European provider of credit decision solutions. Built on open banking technology, Instantor’s products and services strengthen our market position across Europe.
Get started with Tink
Contact our team to learn more about what we can help you build – or create an account to get started right away.
