Risk Insights
Get an in-depth understanding of your customers’ finances and detect possible risk factors based on data insights.
Get a full risk overview
Detect the most important risky patterns, without being restricted to generic reports.
Improve your risk models
Granular set of features with proven predictive power derived from default data.
Boost your business
Gain competitive advantage with opportunities to grow your business sustainably.
What you can solve with Risk Insights
Problem:
Risk assessment is done at very early stages of onboarding a client. External credit bureaus are the common source of information, but it's often limited to loan engagement of the applicant – and not even up to date. The application process can often be quite cumbersome as well, requiring a lot of manual input or paperwork from customers.
Solution:
Improve risk assessment with up to date information of the applicants' risk behaviours and spending habits – based on an analysis of their real-time transaction data. With a fully digital and seamless application process, you can also give customers a speedy, effortless experience.
What you can solve with Risk Insights
Problem:
Risk assessment is done at very early stages of onboarding a client. External credit bureaus are the common source of information, but it's often limited to loan engagement of the applicant – and not even up to date. The application process can often be quite cumbersome as well, requiring a lot of manual input or paperwork from customers.
Solution:
Improve risk assessment with up to date information of the applicants' risk behaviours and spending habits – based on an analysis of their real-time transaction data. With a fully digital and seamless application process, you can also give customers a speedy, effortless experience.
Simplify applications with Risk Insights
Here’s how simple your application process can be with Risk Insights.
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https://link.tink.com/1.0/risk-insights/?client_id=7a294f1581c4f4c96ab1b237af7h6f1&redirect_uri=http://yourdomain.com/callback&market=SE&locale=sv_SE&external_reference=[YOUR REFERENCE]
Get a broader picture with Risk Insights
Substitute outdated data with predictive indicators such as ATM behaviour, collection payments, low balance or overdraft usage, account activity and gambling to take your prediction skills to the next level. Improve customer portfolio with predictive features based on machine learning.
Get a broader picture with Risk Insights
Substitute outdated data with predictive indicators such as ATM behaviour, collection payments, low balance or overdraft usage, account activity and gambling to take your prediction skills to the next level. Improve customer portfolio with predictive features based on machine learning.
<1 minute
Onboard in seconds instead of days
Boost in GINI
Get more accurate and smarter credit assessments
Efficient risk modeling
Improve risk decisioning models and have a stronger performance
100% digital
Payload accessible via well-documented API
Bank-level security
SCA-compliant and fully auditable process
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.
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
3,400+
banks and financial institutions
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 you 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.
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.
