Alternatives to DirectID

AI-driven solutions for credit-to-cash powered by Dun & Bradstreet’s global data and analytics. D&B Finance Analytics offers AI-driven solutions backed by the Dun & Bradstreet Data Cloud. D&B Finance Analytics is a flexible, easy-to-use tool that helps finance teams reduce costs, improve customer service, and manage risk. Manage credit and receivables risks to minimize bad debts, reduce DSO and improve cash flow. Automate manual decisioning and monitoring, customer communication, and matching. Offer your customers an online credit application as well as a payment portal. D&B Finance Analytics consists of two platforms: D&B Credit Intelligence and D&B®, Receivables Intelligence. Together, they provide powerful insights and technologies to help you accelerate your success throughout all your credit-to cash processes. You can quickly gain visibility into credit risks, onboard customers, and set the right terms.

Plaid is an international data network that powers tools used by millions of people to live a more healthy financial life. Our ambition is to facilitate an inclusive, competitive and mutually beneficial financial systems by simplifying payments and revolutionizing lending. Plaid works with more than 8,000 companies, including fintechs such as Venmo and SoFi and several Fortune 500 companies, to give people more control and choice over how they manage money. Plaid is headquartered in San Francisco and its network spans more than 12,000 institutions throughout the US, Canada UK and Europe.

Axe Credit Portal – ACP – is a future-proof AI-driven solution to automate the loan process from KYC to servicing including scoring, automatic decisioning, limit management, and collateral management. ACP is a locally hosted or cloud-based solution for lenders looking to provide an efficient, competitive, and seamless omnichannel financing journey for all client segments (Retail, Commercial, Corporate, Sovereign, and FIs.) ACP is a multi-segment digital lending solution covering not only Retail, Commercial, Corporate, FIs, and Sovereign segments but also other specific types of lending such as Microfinance, BNPL, Embedded financing, Islamic finance, Green Loans, debt servicers & collectors. Axe Finance is the trusted partner of leading global banking institutions such as Société Générale, OTP Bank, APS Bank, Arab National Bank, Al Rajhi Bank, Saudi EXIM Bank, QNB, ADCB, FAB, Bank of Bahrain and Kuwait, Bangkok Bank, Vietcombank, VIB, Permata Bank, BRED Bank Cambodia, Fidelity Bank, Polaris Bank, African Development Bank Group. among many others.

SwissMetrics, a FinTech enterprise based in Switzerland, aims to revolutionize how businesses assess their counterparty risk exposure by providing a comprehensive platform for onboarding, compliance, and credit risk oversight. Crafted by seasoned finance experts, this platform fosters enhanced collaboration between financial and non-financial teams, all while striving toward a unified objective of maximizing value through effective risk management. With a strong emphasis on customer satisfaction, SwissMetrics prioritizes the enhancement of user experience through practical, innovative, and forward-thinking tools. Additionally, the platform not only facilitates efficient tracking of the financial stability of clients, suppliers, and acquisitions but also significantly bolsters your compliance operations, making it an indispensable asset for any organization. In doing so, SwissMetrics positions itself as a leader in the FinTech sector, committed to driving success through strategic risk mitigation.

Finicity's open platform for banking makes it easy to connect your customers' financial information to your app or service. Finicity's open platform banking platform is being used worldwide by some of the most innovative and large organizations to provide better financial experiences for their customers. Your experience is dependent on data quality. Our data has been battle tested in the most demanding markets. You can easily code to endpoints and test data, and connect to Finicity’s open banking platform to access the best API coverage for banks, credit unions and payroll providers. Access to the data you need to power products is easy with our suite of APIs.

Instant Bank Verification is a real-time, user-permissioned service that enables lenders to verify their financial data and aggregation. What can you do with IBV Verify identities of users and reduce fraud. Verify account balances in real-time. Verify employment and understand income. Access transaction history. You can verify the assets of borrowers right from the source. Flexible pricing allows you to only pay for the services you use, making IBV a great choice for loan originations. IBV is ideal for short term lending, retail loan origination, auto financing, property rentals, and other purposes. IBV is powered via an easy-to-integrate web portal that can be added to your existing website or a fully document API. Check out our demo to learn more about IBV.

TurnKey Lender, a one-stop lending platform, is used by creditors from 50+ countries to automate their entire operation. The platform allows lenders to grow their business profitably while reducing operational costs and risk. It's an AI-driven SaaS which automates 90% of all lending process and gives B2C andB2B lenders a competitive advantage. TurnKey Lender Platform offers several pre-configured solution packages, including Commercial, Consumer Pay Later, Auto Leasing, Mortgage, Factoring, Leasing and Mortgage. TurnKey Lender was developed in constant collaboration with lenders around the world. It is a sophisticated solution that addresses real-world digital lending challenges.

finAPI serves as a reliable and user-friendly platform that connects businesses, financial institutions, and individual users seamlessly. Our open banking API empowers organizations to retrieve and analyze account information, as well as facilitate payments on behalf of their clients. Additionally, we provide essential support for banks and financial service firms through an XS2A server, which ensures compliance with the PSD2 directive for third-party providers. With its adaptability and flexibility, finAPI is consistently prepared to tackle new challenges. We assist in the development of cutting-edge financial services that bring genuine benefits to both your business and your clientele. By improving data accessibility, we foster innovation and streamline processes significantly. finAPI’s advanced data intelligence modules offer in-depth financial data analysis, including categorization, cash flow insights, risk assessments, and contract identification. The integration of data enrichment, AI, and machine learning techniques guarantees unparalleled data quality and optimal outcomes, paving the way for future advancements in the financial sector. Our commitment to continuous improvement makes finAPI a vital partner in navigating the evolving landscape of finance.

Qwist stands as the foremost independent B2B2X open finance platform in Europe, delivering an extensive array of products aimed at optimizing financial services and improving customer interactions. The platform's mbed digital lending suite integrates flawlessly with e-commerce sites, allowing digital retailers and marketplaces to partner with top banks for immediate access to a range of financing solutions, which fosters a distinctive, complete customer experience. It offers cutting-edge payment solutions tailored for high-value items, streamlining the entire digital lending process with options that include consumer credit and installment payments. Additionally, Qwist supplies real-time insights into financial transaction data, ensuring detailed categorization, verification of financial identity, assessment of disposable income, initiation of payments, and insights into risk. This robust toolkit enables businesses to harness thorough financial data for purposes such as verification, risk mitigation, and enhancing sales opportunities, thereby driving greater efficiency and effectiveness in their operations. As a result, Qwist not only enhances the financial service landscape but also empowers businesses to create more personalized and effective customer experiences.

Integrate your application seamlessly with your users’ financial information using a secure and straightforward Open Banking API. Create innovative and captivating products that will delight your users. Their financial data is available in various formats from numerous sources, and we facilitate access to over 90% of personal and business bank accounts across Latin America, including connections to tax agencies and gig economy platforms. With our Connect Widget, you can embed this feature into your product within minutes, allowing you to save valuable development time and concentrate on what truly matters. Our platform is designed with top-tier security measures and is currently in the process of obtaining ISO 27001 certification. Effortlessly connect your users’ financial accounts and enhance their data in just a few simple steps. From lending solutions to smart saving strategies, we’re here to help you develop exactly what your users require. By accessing, aggregating, and analyzing customers’ financial details, such as their income, you can create superior borrowing experiences that meet their needs effectively. Ultimately, our goal is to empower you to deliver exceptional financial solutions.

Fino.digital stands at the forefront of innovation in the realm of account and data analysis technologies. We specialize in crafting tailored software solutions for our clients and partners, unlocking opportunities for new business models in both B2B and B2B2C markets. Our mission is to transform data into actionable insights that provide significant value to our customers through our cutting-edge data analytics solutions. Utilizing AI-driven analytics, our technologies examine account transactions authorized by individual or business clients in real time, generating crucial information regarding financial situations, credit assessments, contractual obligations, and even identifying pivotal life events like retirement or childbirth. From enhancing sales strategies and conducting credit evaluations to facilitating invoice and transaction reconciliation, our products deliver tangible benefits from data for both you and your clientele. Ultimately, we empower organizations to leverage insights that drive growth and improve decision-making processes.

Envestnet | Yodlee stands out as a premier platform for data aggregation and analytics, enhancing the financial lives of consumers through cutting-edge products and services tailored for over 1,400 financial institutions and FinTech firms, which include 16 of the top 20 banks in the United States. We are at the forefront of revolutionizing financial applications and services with comprehensive solutions designed for wealth managers, banks, merchants, and beyond. Discover how we can assist in your growth journey. Our robust data aggregation platform empowers financial institutions and FinTechs to facilitate improved financial outcomes for consumers. We prioritize industry-leading standards for data security, compliance with regulations, and protection of privacy. Stay updated with insights from Bill Crager regarding Envestnet's ongoing commitment to purposeful action. Additionally, explore our extensive collection of white papers, on-demand webinars, eBooks, case studies, and much more, all filled with valuable product information and practical guidance to help you succeed in the financial sector. Together, we can drive innovation and excellence in financial services.

Our innovative Auto Decision Platform (ADP) streamlines processes for lenders, reducing time, costs, and mistakes, thereby enhancing profitability. This versatile and highly acclaimed program opens up a world of opportunities upon implementation. With our state-of-the-art decision-making services, credit risk professionals can easily design and adjust decision-making logic as needed. The next-generation, private-cloud-based Auto Decision Platform (ADP) provides thorough, automated decisions through direct customer engagement while ensuring compliance for lenders. Utilize our extensively interconnected suite of integrations, which includes consumer and commercial CRA data, various Open Banking sources, eKYC and fraud prevention tools, along with verification services for mobile, email, device ID, AVM, and Land Registry products to effectively implement your decision-making strategy. Furthermore, ADP empowers users to create, modify, test, and launch personalized scorecards via a user-friendly interface, making the process even more efficient and tailored to specific needs. This platform not only saves time and resources but also fosters innovation in decision-making processes.

Credco operates as a consumer reporting agency that compiles and assesses consumer data, offering consumer reports to authorized third parties for credit-related decisions and other legally allowed purposes. If you wish, you can contact Credco’s Consumer Assistance Department to obtain a copy of the information we hold regarding you, which may play a role in evaluating your creditworthiness. This agency serves various clients, including banks, mortgage providers, and other financial institutions, aiming to assist them with credit risk evaluations and similar objectives as allowed by law. As a consumer reporting entity, we are authorized to share information about you solely with companies you have permitted or those with a legitimate purpose as defined by the Fair Credit Reporting Act (FCRA). It's important to note that Credco acts as a reseller of consumer report data and does not keep a database that generates new consumer reports independently. Furthermore, consumers have the right to inquire about and review their own data, ensuring transparency in how their information is utilized.

Argyle stands out as the premier source for direct access to real-time data regarding income and employment. By utilizing Argyle's services, businesses can streamline essential operations such as verifying income and employment, managing deposit transitions, providing wage advances, and facilitating loan repayments. This automation enables companies to enhance their processes, mitigate risks, and effectively grow their enterprises. Argyle primarily caters to sectors such as mortgage lending, background screening, personal finance, and the banking landscape, while also addressing the needs of the gig economy. Moreover, their innovative solutions contribute to a more transparent and efficient financial ecosystem.

Kompliant offers a comprehensive lifecycle compliance solution through a platform created in collaboration with top payment processors and banks globally. The innovative features of Kompliant’s platform make it easier than ever to set up, implement, and oversee credit risk initiatives. Teams in underwriting, sales, and finance can take advantage of the diverse offerings from Kompliant to tailor and execute the necessary data collection, workflow processes, pricing models, and credit decisioning criteria essential for their individual compliance objectives. Known for its expertise in creating, launching, and managing cutting-edge services, Kompliant, Inc. partners with leading card networks, financial institutions, payment processors, and retail businesses. Their whitelabel options allow companies to apply for payment processing services through digital platforms that are optimized for various environments, including online and mobile, featuring well-designed APIs and an exceptional user experience. This unique approach not only simplifies compliance but also enhances operational efficiency across different sectors.

The CreditLens platform from Moody’s Analytics empowers financial organizations to enhance their commercial lending strategies by promoting greater speed and efficiency in their processes. Its cutting-edge technology facilitates uniform data spreading, which supports comprehensive analytics, such as portfolio comparison and benchmarking that improve risk assessments. Users can tap into robust financial evaluations that generate dual risk rating models, or customize rating models to align with their specific internal credit standards and risk assessment criteria. Additionally, refine your risk evaluations through relationship hierarchies either created within CreditLens or imported from your CRM systems, allowing for extensive modeling across various risk entities, relationships, and hierarchies. The platform also incorporates business rules to reduce errors and boost data accuracy, guiding users through the credit risk assessment process in line with established banking policies. Furthermore, it provides options for data auditability, deal approval structures, conditions precedent, and adherence to covenants, ensuring compliance with both internal and external policies. Ultimately, CreditLens stands as a comprehensive tool designed to optimize the lending process while ensuring thorough risk management practices.

The Ninth Wave Platform presents a unified and robust open banking solution that allows financial institutions to share permissioned data securely and efficiently with various third-party applications, such as aggregators, fintech firms, accounting and ERP systems, personal finance management tools, tax preparation software, and other consumer and business applications. By utilizing Ninth Wave, retail and commercial banks, credit unions, wealth managers, and other financial services entities can provide their customers with swift and convenient access to their information on their own terms, available anytime through any chosen application or service. This innovative approach not only enhances the digital experience for users but also fosters greater satisfaction and loyalty, attracts a broader customer base, generates new revenue opportunities, mitigates risks, and ensures compliance with regulatory requirements for clients. Ultimately, Ninth Wave empowers financial institutions to adapt to the evolving landscape of digital banking while maintaining a competitive edge.

Flinks enables the open, consent-based exchange of financial data and empowers you to connect consumers with the services they want. Flinks Enrichment is the smart analytics layer on top of your raw retail and business banking data. Whether your data pipeline is coming from Flinks, or you’re BYOD (bringing-your-own-data) from your existing integrations—extracting actionable, model-ready insights for credit risk analysis, income verification, life event detection or fraud prevention couldn’t be easier. Flinks Connectivity offers the largest financial data network coverage, allowing your customers to use your services by easily and securely connecting their financial accounts and sharing the data you need. From KYC to transactional data and assets, Flinks Connectivity is the backbone that will power your business and put you ahead of the competition. Flinks Outbound provides the Open Banking infrastructure you need to launch and adapt quickly in a dynamic market and regulatory environment. Winning with open banking goes far beyond just technology and APIs. Our extensive network of third-party applications that millions of Canadians are already using can become your launch

Zūm Rails provides real-world solutions that merge instant payments and open banking. The Zūm Rails software allows users to focus on distribution, while on the back end we mitigate the risk of fraud, aggregate KYC data and offer an unparalleled experience for the end-user. Our software is able to create a faster and more efficient payments process by eliminating unnecessary lag time of financial interactions through the use of the Zūm Wallet, reducing the risk of fraud for instant payments, and creating an overall better user experience by utilizing our real-time data aggregation feature. Zūm Rails software has been designed with scalability in mind. With a built-in Partner Portal, our users are able to manage and oversee their customer's transactions, while collecting insights and reporting. Work directly out of the Zūm Rails portal or utilize our seamless API to integrate directly into pre-existing systems and workflows. Zūm Rails software was built with every step of the payment journey in mind, creating a faster, safer, and more convenient digital exchange. To learn more, visit zumrails.com

TrueLayer stands out as a premier technology firm that offers secure and worldwide access to financial systems. Our APIs empower developers to create top-tier products that can access data and facilitate payments instantaneously and securely. Established in 2016, TrueLayer has partnered with major global banks, is supported by prominent venture capital firms, and is trusted by leading fintech companies like Monzo, Revolut, and Zopa. By democratizing open banking through our platform, TrueLayer allows developers from various sectors — ranging from emerging startups to large enterprises — to transform financial services. Operating in the UK, Europe, and Australia, TrueLayer simplifies the integration of advanced payments and financial data into any application. Create innovative products that resonate with your users, enabling seamless money transfers at competitive rates while ensuring an exceptional user experience. Our solution eliminates the need for cards, minimizes fraud risks, and avoids chargebacks, ensuring a smooth financial transaction process.

CRM_A stands out as the leading integrator in the industry, combining credit risk knowledge, quantitative analysis, and advanced technology. With a legacy of over 30 years, we have consistently supported lenders throughout the United States by conducting thorough loan reviews and performing meticulous due diligence. Our extensive array of underwriting, risk assessment, and analytical services is comprehensive, allowing us to deliver an unparalleled perspective on risk—from individual loans to complete portfolio assessments and the overall enterprise landscape. This unique advantage enables us to effectively help clients pinpoint their credit-risk goals, streamline management practices, and ultimately boost their profitability. A focus on enhancing asset performance provides a distinct competitive advantage. These principles are crucial for achieving success in everyday tasks as well as in long-term strategic initiatives. Furthermore, our solutions facilitate better workflow management, capture essential data points, and improve the consistency and efficiency of underwriting processes, ensuring our clients are always equipped to navigate the complexities of the financial landscape.

FinTrak Credit Risk 360 was created to assist banks in recognizing, assessing, overseeing, and managing credit risk, ensuring they maintain sufficient capital to cover these risks while being fairly compensated for the associated challenges. This innovative solution is accessible online, allowing bank branches to utilize it effortlessly without the need for individual installations at each location. Furthermore, our product is designed to integrate smoothly with your current systems to minimize waste and losses, and our dedicated team is ready to offer comprehensive support, ensuring that your experience is not only efficient but also memorable. By choosing Credit Risk 360, banks can enhance their risk management strategies and improve overall financial stability.

DiCOM stands out as a prominent supplier of software solutions focused on Credit Risk and Loan Review tailored for financial institutions. Their Credit Quality Solution (CQS) features a comprehensive range of automated tools that facilitate loan assessments, portfolio evaluations, and ongoing monitoring. By utilizing DiCOM's software, credit risk experts can effectively oversee risks, enhance transparency, and boost profitability by minimizing loan defaults. Committed to innovation, DiCOM aims to empower its clients to reach greater heights through cutting-edge software, dedicated customer support, and a strong presence in the industry. Ultimately, DiCOM strives to be a transformative partner for financial institutions in navigating the complexities of credit risk management.

RiskAvert serves as a comprehensive risk management platform designed for financial institutions to efficiently collect and reconcile data, compute, aggregate, and report on various regulatory risks including credit, market, operational, and concentration risk within a seamlessly integrated yet flexible framework. It provides complete methodologies for assessing operational, market, and credit risks, enabling banks to transition from a standardized approach to Internal Ratings-Based (IRB) methodologies. Additionally, the platform features capabilities for XBRL validation and conversion across various taxonomies. Its extensive cube-based Management Information System (MIS) reporting apparatus fully accommodates market disclosure obligations, while a thorough stress-testing framework and detailed concentration risk measures ensure compliance during supervisory reviews. Moreover, RiskAvert guarantees adherence to the EU Capital Requirements Regulation (EU-CRR) and Capital Requirements Directive (CRD), including anticipated updates and modifications. Furthermore, it facilitates the calculation of credit risk capital requirements through both standardized and IRB methodologies, catering to the diverse needs of financial institutions.

Finastra’s Fusion Data Cloud is designed to turn complex financial data into clear, actionable insights that fuel growth, efficiency, and customer satisfaction. It connects banks, credit unions, and fintechs in a secure ecosystem, enabling the seamless sharing of structured, cleansed, and curated data. The platform’s AI and machine learning capabilities power predictive and prescriptive analytics, helping institutions anticipate customer needs, mitigate risks, and identify new revenue opportunities. Its pre-integration with Finastra’s core solutions ensures rapid deployment and eliminates messy integration projects. Financial institutions benefit from a 360-degree customer view, real-time decision-making tools, and customizable dashboards for performance benchmarking. Developers can quickly build, test, and launch innovative applications using sample datasets, reducing time-to-market and expanding reach through the FusionStore. Supported by Microsoft Azure technology, Fusion Data Cloud offers flexibility, scalability, and compliance across retail and corporate banking, lending, treasury, and payments. Ultimately, it helps organizations stay competitive in an evolving financial landscape.

The IRIS workflow addresses the global concern of managing active counterparty credit risk by encompassing various processes from the acquisition of trading data to the re-booking of trades, which includes tasks like curve stripping, consistent pricing, an extensive aggregation module, the computation of hedge requirements, and the analysis of What-if scenarios. It is designed as a parallel distributed application that optimally leverages multi-core systems for efficient performance. Additionally, an HPC solution utilizing GPU and multicore processors is available to enhance the speed of pricing and Greeks computations. A significant design objective is the capability to integrate IRIS engines seamlessly into existing complex systems. Utilizing the .NET development framework facilitates interoperability and compatibility with other programming languages. IRIS also fully supports FpML and various market data providers such as Reuters, Bloomberg, and Markit, which guarantees smooth integration of data streams. Furthermore, the internal data within IRIS is completely accessible, allowing for comprehensive auditing of computation details, which adds an extra layer of transparency and trust in the system's outputs. Overall, the IRIS workflow is a robust solution for modern credit risk management challenges.

Validis are transforming how global banks, lenders and accounting firms get data from their commercial clients. Validis connects to every major accounting system enabling fast and simple access to fully standardised accounting data in real-time. Collect, format and interpret your customers’ financials in real-time with the Validis API. Enhance your digital lending journey, improve speed of decision and gain greater insights to portfolio performance. Industry-leading dashboards provide invaluable insight. Flag potential fraud, monitor portfolio health and covenants, conduct spreading and more. Deep insights and smarter risk-based decision making. Validis replaces the need for manually collecting and consolidating data for lending, risk management and audit purposes.

In a lending environment characterized by stringent regulations and rapid changes, SS&C Loan Services offers unmatched operational effectiveness and clarity in managing loan assets for both lenders and investors. Our comprehensive solutions cover a wide range of loan products, including unsecured consumer credit, commercial and residential mortgages, and syndicated bank loans. We empower clients with complete oversight of the loan servicing lifecycle, encompassing everything from origination to real estate owned (REO) properties, along with bank loan trading, valuation, accounting, and thorough calculations of loan credit risk and stress testing. This commitment to excellence is reflected in the fact that over 300 clients trust SS&C Loan Services to manage assets exceeding $1 trillion. Additionally, SS&C GoLoans provides a cohesive, scalable solution that enhances efficiency while ensuring transparency throughout the loan lifecycle. Furthermore, SS&C GlobeOp manages your financial records using a fully integrated accounting package, which not only reduces operational challenges but also boosts transparency in financial dealings. With these innovative approaches, SS&C Loan Services continues to set new benchmarks in the industry.

SharperLending LLC stands out as the premier provider of financial services technology specifically tailored for the mortgage sector. The company delivers five robust, web-based platforms designed for lenders and strategic partners, enhancing efficiency, reducing risk, and ensuring affordability: Appraisal Firewall, EPN settlement services platform, TVP income verification systems, XpertOnline credit reporting technology, and ReadyQual for consumer pre-qualification and lead generation. In a landscape dominated by outdated software systems, particularly in the AMC technology sector, our state-of-the-art solutions are here to transform the way you handle client appraisals. By adopting our innovative AMC software, you can enhance your client interactions significantly and positively impact your revenue. Appraisal Firewall® provides AMCs with contemporary technology solutions that are continually updated each month, ensuring a seamless connection with your clients. With our platform, you can deliver exceptional customer service, expedite review processes, and facilitate instant online collaboration, ultimately positioning your business for greater success. Embrace the future of appraisal management with SharperLending’s cutting-edge offerings and experience the difference today.

The Equifax Developer API Portal is a central platform that allows developers to access and use a wide range of Equifax data and analytics capabilities. This portal provides a wide range of tools and resources to help developers create applications that use Equifax's data insights to address real-world problems. The Equifax API Developer portal has the following features: Comprehensive API Selection: Offers APIs for a variety of fields, including identity verification, credit risk assessment, fraud prevention, and marketing initiatives. Documentation Interactive and Detailed: Provides comprehensive API documentation including clear guidelines, samples code, and detailed reference materials. Safe Sandbox Testing: Test APIs in a sandbox environment that is secure, ensuring that the data will not be affected. Secure API Access: Creates and manages API keys, and authentication procedures to ensure secure API usage.

Reevaluate your strategies regarding credit risk management with our premier product, ZScore, which empowers you to leverage the precision and capabilities of AI for creating highly effective credit scorecards throughout the credit lifecycle. Experience the ability to process loan applications in real time, significantly enhancing customer satisfaction. Our cutting-edge machine learning algorithms ensure thorough testing, training, and validation of models to guarantee their reliability. The ZScore can be swiftly implemented and integrated into your current infrastructure, thanks to our sophisticated architectural design and API capabilities that facilitate seamless incorporation of existing technologies. This powerful proprietary AI stands out in the industry for its unmatched speed, accuracy, and functionality, all delivered through an intuitive and cost-effective platform accessible to every member of your team. Furthermore, creditX is one of the pioneering AI technologies globally to successfully pass AI Verify, a comprehensive and impartial global framework that rigorously assesses the performance of AI systems, thus reinforcing our commitment to excellence in credit risk assessment. By choosing ZScore, you are not only adopting a tool but joining a movement towards smarter financial decision-making.

FOCAL by Mozn is an assortment of products that use our powerful AI/machine learning technology to address the challenges of AML compliance in emerging markets and Fraud Prevention. FOCAL Anti-Fraud consists of a series of products that use powerful AI to address the growing volume and complexity of Fraud in Emerging Markets. Financial institutions can now use the all-in-one AML compliance software to screen customers, monitor transactions, and assess risk.

Yapily offers a seamless customer experience while navigating the dynamic landscape of Open Banking compliance. Tailored specifically for open banking, it ensures smooth connectivity for users. It stands out as the only technology firm chosen by IBM for its open banking solutions. As new open banking APIs become available, businesses can tap into fresh markets and larger transaction volumes. A single open API provides access to essential data that enhances the experience for end-users. This includes functionalities like aggregating, categorizing, and enriching account information, as well as initiating payments and transactions, enabling businesses to provide tailored financial advice. By removing technical obstacles, Yapily allows any organization to engage with customers through one secure and unified connection. This empowers banks, financial service providers, and developers to quickly create, integrate, and oversee their own APIs for effective communication. As a result, Yapily not only streamlines processes but also fosters innovation in how financial services are delivered to consumers.

DocCredit is a software solution designed for managing commercial credit risk and streamlining the collection process. It is seamlessly integrated with leading Business Information providers and features a sophisticated company rating calculation engine, which enhances customer understanding. By assessing the degree of risk, businesses can identify opportunities, directing collection strategies toward new clientele while prioritizing higher-risk credits and focusing on increasing sales with lower-risk customers. The platform automates reminder processes through tailored workflows, ensuring effective communication. With a smart activity planner, users can efficiently schedule emails, phone calls, and visits, while the system automatically correlates reminders sent with responses received. It also enables tracking of payments categorized by risk class, business channel, and client segment, providing insights into unpaid debts related to specific actions. Additionally, the software measures the effectiveness of reminder and collection strategies, analyzes overdue to turnover ratios, and evaluates the probability of default for both the individual subject and the relevant industry, ultimately offering an internal credit line based on trend analysis to improve financial decision-making. The comprehensive features of DocCredit empower organizations to maintain a robust credit management process.

Basiq stands at the forefront of open banking technology, empowering developers to create cutting-edge financial applications. Our platform offers secure access to financial data, provided with customer consent, along with robust APIs that reveal critical insights. We are at the helm of shaping the future of financial services, catering to wealth managers, banks, fintechs, and beyond. By utilizing our platform, you can obtain comprehensive and trustworthy banking information, enabling you to craft more engaging and tailored digital banking experiences for users. Our sophisticated income algorithms can accurately pinpoint various income sources, including regular, variable, and casual income streams, which allows for streamlined individual assessments and quicker lending decisions. Additionally, you can enhance your customers’ digital experiences by equipping them with tools to better track their spending habits. With Basiq Enrich, you can analyze each banking transaction to identify the merchant, location, and category, further enriching the financial insights provided to your clients. This level of detail not only elevates user engagement but also fosters a deeper understanding of financial behaviors.

Salt Edge, a fintech leader in creating and providing open banking solutions, takes intercommunication and interoperability between banks, third-party service providers, and their end-users to a whole new level. With offices in Toronto, London, Chisinau, Milan, Bucharest, and now expanding to the Middle East. The main vectors the company focuses on are: 1. Open Banking Gateway - allows lenders, accounting software, banks, BFMs, PFMs, iGaming companies, and different other companies to instantly connect to all customers’ bank accounts in Europe, APAC, Americas, and MEA for account information and/or payment initiation, via one unified API. 2. Open Banking and PSD2 Compliance Solution - enables banks and eWallets to become compliant with PSD2 and Open Banking requirements in 1 month, with minimal resources. ISO 27001 certified and open banking licenced, the company employs the highest international security measures to ensure stable and reliable connections between financial institutions and their customers. The company offers secure connectivity to 5,000+ financial institutions in 50+ countries. Salt Edge has been named a Strong Performer in The Forrester Wave™: Open Banking Intermediaries, 2023 Report.

At Wiserfunding, we are committed to guiding you through the complex landscape of SME credit risk management. Our objective is straightforward: to equip lenders throughout the UK and EU with the ability to make quick, precise, and assured lending choices. You can gain access to the latest management insights, comprehensive company structure information, and valuable corporate governance data. With financial records spanning the last ten years, you can swiftly compute essential financial ratios and create trend visualizations for the past five years, all paired with in-depth risk analysis. Furthermore, leverage region-specific macroeconomic metrics such as GDP growth, default rates, inflation, bank interest rates, and unemployment statistics to develop a more precise and predictive risk profile. Enhance the efficiency of your sales pipeline with automated solutions that enable you to discover, assess, and analyze new business opportunities instantly by utilizing current data rather than outdated filed accounts. By embracing these tools, you can significantly improve your decision-making process and drive business growth more effectively.

Pinwheel is the most trusted payroll connectivity API company. It's used by the largest financial institutions to securely update direct deposit information and access income and employment data. Pinwheel's platform provides a range of products that empower innovators of all sizes to use payroll account connectivity. Direct deposit switching can be a tedious process that involves paper forms and HR teams. Pinwheel's digital drop-in solution makes it simple. You can view a live feed of direct deposit allocations for your customers and be notified when they change. This information can be used to better understand your customers, and to create engaging experiences for them. Access payroll system data to automate income verification and employment verification, improve underwriting models, as well as streamline and automate your business processes. Your customers can pay their loans directly from their paychecks to reduce loss rates and increase serviceability.

Lenders are facing heightened demands to provide more attractive offers to a broader array of applicants, yet achieving profitable growth in their portfolios while effectively managing risk has become increasingly difficult. It’s essential to reevaluate the data and insights utilized for assessing credit risk. By utilizing alternative data related to credit-seeking behavior and information on non-credit events, RiskView credit solutions empower you to obtain a fresh outlook on credit risk across the entire credit spectrum. Enhance your offers for candidates in fiercely competitive credit segments through better risk segmentation within various credit score ranges. Additionally, boost acceptance rates while keeping risk exposure in check by enhancing predictive capabilities, particularly for near-prime applicants. Furthermore, evaluate traditionally unscorable individuals with either no-hit or thin-file credit histories, thus expanding your potential customer base. This holistic approach ensures that you can effectively balance growth opportunities and risk management.

The Powerlytics data platform stands out as the most detailed, precise, and extensive source of financial information regarding both consumers and businesses. Supported by the financial records of 30 million businesses and 150 million households, this platform equips credit unions, banks, and wealth management firms with unparalleled insights that enable them to assess risk, pinpoint market opportunities, attract new clientele, and perform predictive analytics and research with remarkable accuracy that facilitates actionable decision-making. All of this is provided seamlessly, ensuring a smooth user experience with no friction. In contrast to survey-based data, which may be subjective, inaccurate, or limited in scope, Powerlytics is the pioneering data platform that taps into complete financial data for businesses and consumers, converting it into insightful, actionable information derived from reliable sources. The data offered by Powerlytics is not only comprehensive and objective but can also be integrated with existing customer data or utilized independently to provide a thorough understanding of the financial landscape. This unique capability empowers organizations to make informed decisions that drive growth and innovation in their respective markets.

DocFinance is now a comprehensive Fintech HUB that offers its clients the advantages of seamless integration between various technological services and our treasury management and commercial credit management software. This application serves as a solution for managing commercial credit risk while also automating the collection process effectively. By incorporating key Business Information providers, it features a company rating calculation engine designed to enhance customer insight. Furthermore, this software project advances corporate treasury management by integrating Corporate Banking services, ensuring a holistic approach to financial oversight. The incorporation of Remote Banking services into the company's information system highlights its thoroughness and adaptability. The AFEXDirect platform stands out as a robust and easy-to-use tool that is designed to be intuitive and accessible. Clients enjoy round-the-clock access to the platform, with real-time updates and changes available at any hour of the day, ensuring they remain informed and empowered in their financial dealings. This commitment to accessibility and user experience reinforces the platform's role as an indispensable asset for modern financial management.

Achieve complete automation of the commercial loan life-cycle, spanning from sales management to ongoing monitoring. Effectively oversee your loan portfolio while minimizing credit risks through a streamlined lending approach. We provide seamless integration with all existing Core Banking systems and a majority of documentation preparation tools. This enhances processing efficiency and cuts costs, allowing your bank to expand its loan offerings. Credit Track is designed with built-in Workflow & Collaboration features, enabling you to track who is handling each deal and the duration of their involvement at any given moment. Additionally, we offer insightful metrics to identify any delays or obstacles throughout the process. Are you fed up with sending bulky paper packages for approval? Eliminate the hassle of emailing numerous attachments! With Credit Track, the complete loan package is accessible online, and we issue email notifications when actions are needed. You can conveniently submit, review, and approve any package digitally, with signatures completed electronically. This modern approach not only saves time but also enhances the overall efficiency of your lending operations.

An all-in-one API that consolidates verification techniques, fraud prevention technologies, and reliable financial and identity information across Southeast Asia. This solution significantly minimizes both integration and testing periods, often reducing them to just a few days. Users gain access to genuinely local financial and identity data sources in a digital format. It allows for the validation of both individual and business information, including their addresses, by leveraging local data sources and anti-money laundering (AML) lists to ensure that only legitimate customers are acquired. Suspicious users can be subjected to a thorough verification process, while genuine ones benefit from a streamlined decision workflow. Design a verification flow that aligns with your specific risk management and compliance needs. Engage with specialists to select the verifications, fraud prevention services, and local data integrations that best suit your requirements. Manage fraud decisions through established rules that incorporate data from various sources. Create a cohesive API decision workflow for a tailored experience that can be seamlessly integrated into any part of your user journey, enhancing both security and user satisfaction. This approach not only strengthens your verification capabilities but also promotes a more efficient onboarding process for trustworthy customers.

Free banking data & premium insights. All-in-one API for banking data to build powerful banking, lending, and finance apps. All-in-one API to access account information, transaction categorization, and insights.