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Tink for lending

Faster and more accurate credit decisions

Get real-time access to consumers’ bank data to make better informed credit and risk assessments. With insights into actual financial behavior, you can accept more and reduce risk while providing personalised offers and getting risk-based pricing. 

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How open banking improves lending

Instant affordability checks

Instantly verify a person’s income with secure, real-time data directly from their bank account. Onboard faster, with a fuller picture.

Reduce loan delinquency

Help borrowers increase their repayment capacity by giving them engaging tools that help them set and track budgets.

Power credit and risk models

Improve the assessment process using clean and standardised transaction data to better inform risk models.

Quick and confident payouts

Remove the need for manual entry of the borrower’s account details for setup for loan payouts.

Simplify settlements

Embed a safe and simple account-to-account payment solution in your app to make loan settlement easier.

Optimise the entire loan process

Offer customers a smooth digital flow to replace slow, manual underwriting processes based on paper applications.

GF Money + Tink

Challenge: a cumbersome process
Relying on credit bureaus for risk assessments or affordability checks takes time, comes at a cost, and provides a limited (and sometimes outdated) picture of creditworthiness. Nordic consumer finance company GF Money was looking for a smoother way to assess applicants’ income and creditworthiness. 

Solution: a smooth digital flow
Using the Tink platform, loan applicants can easily connect their bank account to provide an instant and thorough assessment of their current level of income – in just a few taps of a screen. GF Money can now make underwriting decisions in less than ten minutes – when it used to take them two hours.

Built using
Income Check banner
Income Check

How GF Money streamlined underwriting decisions with Tink
How GF Money streamlined underwriting decisions with Tink

GF Money + Tink

Challenge: a cumbersome process
Relying on credit bureaus for risk assessments or affordability checks takes time, comes at a cost, and provides a limited (and sometimes outdated) picture of creditworthiness. Nordic consumer finance company GF Money was looking for a smoother way to assess applicants’ income and creditworthiness. 

Solution: a smooth digital flow
Using the Tink platform, loan applicants can easily connect their bank account to provide an instant and thorough assessment of their current level of income – in just a few taps of a screen. GF Money can now make underwriting decisions in less than ten minutes – when it used to take them two hours.

Built using
Income Check banner
Income Check

David Öhlund, CEO Sweden & Denmark at GF Money Group

"With Tink we have provided our customers with a much smoother way to prove their income and their creditworthiness, which has helped us reduce our application processing time down to less than 10 mins. It has helped us increase our automated funnel which in turn increased approval rates, faster time to money, and reduced risk of fraud and uncompleted applications - all real difference makers for our growth."

David Öhlund, COO at GFMoney

David Öhlund, CEO Sweden & Denmark at GF Money Group

"With Tink we have provided our customers with a much smoother way to prove their income and their creditworthiness, which has helped us reduce our application processing time down to less than 10 mins. It has helped us increase our automated funnel which in turn increased approval rates, faster time to money, and reduced risk of fraud and uncompleted applications - all real difference makers for our growth."

David Öhlund, COO at GFMoney

Ready-to-go products that solve real problems

Income Check

Optimise credit decisions and understand your customers’ true financial capacity by instantly verifying income using real-time data.

Account Check

Confirm account ownership with real-time data straight from a user’s bank account, creating a quick and simple payment setup process.

Payment Initiation

Increase engagement and conversion by giving your customers a fully embedded payments experience – at a fraction of the cost.

Risk Insights

Start assessing creditworthiness with real time, up-to-date and verified data giving unique insights into spending behaviours.

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.

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