Risk decisioning

Get verified financial insight

Discover a seamless way of determining a customer's risk exposure at the time of application and gain a clear understanding of their financials.

Some industries we serve:

  • Retail banks & consumer finance

  • Challenger banks & online lenders

  • BNPL & embedded finance

  • Utility, water & telco firms

Increase Gini

Approve more while taking less risk

A proven set of risk features that have been engineered based on real customer default data thus carry proven predictive power that can be added to your credit scoring models.

Risk decisioning Increase Gini
Risk decisioning Increase Gini
Increase Gini

Approve more while taking less risk

A proven set of risk features that have been engineered based on real customer default data thus carry proven predictive power that can be added to your credit scoring models.

Risk decisioning Improved underwriting
Improved underwriting

A deeper dive into the applicant’s spending habits

Broaden your understanding of the applicant’s creditworthiness with historical insights reflecting monetary habits such as gambling, spending, ATM behaviour and over 300 other features.

Risk decisioning Improved underwriting
Improved underwriting

A deeper dive into the applicant’s spending habits

Broaden your understanding of the applicant’s creditworthiness with historical insights reflecting monetary habits such as gambling, spending, ATM behaviour and over 300 other features.

Improved end-user experience

Onboard your clients within minutes (instead of days).

Simplify the application process with pre-filled fields and verified data instead of manual input and paperwork from the applicants.

Risk decisioning Improved end-user experience
Risk decisioning Improved end-user experience
Improved end-user experience

Onboard your clients within minutes (instead of days).

Simplify the application process with pre-filled fields and verified data instead of manual input and paperwork from the applicants.

Case study

GF Money uses Tink to provide shorter time-to-money

Challenge
Relying on credit bureaus for risk assessments or affordability checks takes time, comes at a cost, and provides a limited and sometimes out-of-date picture of creditworthiness.

Solution 
Powered by open banking, loan applicants can connect their bank account to instantly provide a complete and verified assessment of their current income level.

Built using
Income Check banner
Income Check

Risk decisioning Case study
Risk decisioning Case study
Case study

GF Money uses Tink to provide shorter time-to-money

Challenge
Relying on credit bureaus for risk assessments or affordability checks takes time, comes at a cost, and provides a limited and sometimes out-of-date picture of creditworthiness.

Solution 
Powered by open banking, loan applicants can connect their bank account to instantly provide a complete and verified assessment of their current income level.

Built using
Income Check banner
Income Check

For industry leaders

“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

CEO at GF Money

Discover the full story

Predict repayment capacity better with real-time data

Use real-time data to review income, expenses and spending patterns predicting repayment capacity.

Better decisions

Improving models of the probability of default has resulted in multiple Gini uplifts for our customers.

Decrease fraud

Our customers decreased cases of fraud significantly by replacing manual input with verified data from the applicant's bank account.

Improve your risk models

Use a granular set of features with proven predictive power derived from default data to improve your credit risk modelling.

Improve your underwriting workflow with open banking

Open banking has the power to simplify and streamline the loan application process while improving your underwriting workflows.

30%

amongst lenders has revealed that 30% of the participants evaluate the frequency of failed payments in their current risk assessment models.

32%

amongst lenders has revealed that 32% of the participants stated being unable to verify assets or collateral was the most common reason for being unable to assess the applicant's creditworthiness.

40%

Increase adoption rates from 10% to 40% with no fraud.*

*based on Tink customer data using Income Check.

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.

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