Enhanced credit scoring

Get real-time data and insights to make more accurate credit and risk assessments

See the full, current financial picture

Use account aggregation to access data from a broad range of accounts and understand customers’ real-time finances, instead of having to rely on outdated financial records.

Strengthen your assessments

Feed your risk models with additional insights. Tink enriches the data to recognise patterns and spending behaviours so you can make more accurate credit decisions.

Reduce operating costs

By basing your offers on up-to-date, richer financial data, you optimise acceptance rates and reduce costs – a fair offer for your customers means less risk for your business.

How it works

Here’s how Tink can complement and enhance your credit scoring process in a few simple steps.

  1. The customer consents to sharing the data in their various accounts (including checking accounts, loans, credit cards, mortgages, investments – among others)

  2. The data is retrieved once customers complete their banks’ authentication process
    - In the background, Tink analyses the data to recognise patterns in the transaction history
    - The data and insights gathered by Tink are fed into your own credit scoring models, which will provide the results

  3. Customers get a quick result, with a solid offer that they can easily take up on

How it works
Here’s how Tink can complement and enhance your credit scoring process in a few simple steps.
The customer gives consent so we can access the data in their accounts (including checking accounts, loans, credit cards, mortgages, investments – among other things)
The data is retrieved once customers complete their banks’ authentication process
In the background, Tink analyses and enriches the data, to understand and recognise patterns in the transaction history. 
The data and insights gathered by Tink are used to feed your own credit scoring models, which will provide the results
Customers get a quick result, with a solid offer that they can easily take up on

Solution provided by

Account aggregation

Get access to a broad range of account data and quality, real-time financial information from banks and financial institutions across Europe.

Data enrichment

Transform raw, unfiltered financial data into valuable information. We categorise transactions and provide insights so you can deliver better data-driven services.

Other solutions

Direct debit setup

Increase conversion by making it easier for customers to set up direct debit payments. Tink lets you automatically fetch and fill in bank account information. 

Funds transfer

Keep customers engaged in your environment. Use Tink’s funds transfer solution to let them transfer money between accounts straight from your app or website.

Invoice settlement

Make it easier for customers to pay bills with Tink’s invoice settlement solution. Connect to their bank accounts and autofill the necessary invoice details.

KYC

Tink’s solution helps streamline the KYC process both for customers and your business by automatically fetching customers’ financial data straight from banks.

Onboarding

Simplify onboarding and increase conversion – Tink’s aggregation technology lets you fetch and  automatically fill in financial details for your customers.

Proactive price comparison

Increase sales with Tink’s price comparison solution. Get access to financial data to analyse customers’ expenses (with consent) and make personalised offers.

Get started with Tink

Contact our team to learn more about our premium solutions or create a free account to get started right away.