Younited partners with Tink to enable instant lending solutions

3 min read|Published April 26, 2023
Younited partners with Tink to enable instant lending solutions

Younited, a market-leading credit provider, is partnering with Tink, enabling them to bring instant loans to more businesses and consumers across Europe. Here’s how this collaboration will simplify access to fairer, more inclusive credit using open banking.

TL;DR – Quick summary
  • Younited and Tink are partnering to simplify the credit application process using open banking technology.

  • By using aggregated bank account data, Younited can offer a more accurate, inclusive, and fair approach to affordability assessments.

  • These data-driven lending processes enable faster decisions and a smoother customer experience.

TL;DR – Quick summary
  • Younited and Tink are partnering to simplify the credit application process using open banking technology.

  • By using aggregated bank account data, Younited can offer a more accurate, inclusive, and fair approach to affordability assessments.

  • These data-driven lending processes enable faster decisions and a smoother customer experience.

For over a decade, Younited has been on a mission to revolutionise the credit industry by introducing simplicity, innovation, and transparency. Operating across five European countries – France, Spain, Portugal, Italy, and Germany – Younited has led the way in developing innovative technologies that streamline the lending process for consumers, banks, fintechs, and merchants alike. Now, they continue to break new ground by using open banking to simplify credit decisioning.

Instant and accurate affordability assessments

Tink's open banking data aggregation and pan-European connectivity have enabled Younited to gather customers' financial data within seconds and process credit applications instantly. By using advanced AI-based algorithms, Younited can compute a holistic, accurate and up-to-date view of applicants' income streams and spending habits, allowing for streamlined and accurate affordability assessments with instant decisions.

Traditional credit application processes often take days or even weeks to administrate, and the applicant is left in the dark when they may need a speedy decision. With Tink’s open banking technology, Younited is addressing this outdated process head-on – using their years of experience and deep knowledge of risk assessments to drive positive change. 

Younited partners with Tink to enable instant lending solutions

Data is leading the way in lending

Data-driven lending processes simplify affordability assessments and offer a more accurate, inclusive, and fair approach by using bank account data to gain a comprehensive understanding of the applicant's finances. What’s more, open banking connectivity enables a simpler experience for customers, with less manual administration and a faster overall process.

‘Anyone seeking credit, whether for a loan or a retail purchase, deserves an ultra-fast and hassle-free experience. Thanks to open banking capabilities and our partnership with Tink, we are now able to deliver the promise of instant credit decisions at scale,’ François de Bodinat, CPO at Younited, explains. ‘We’re already serving more than a million customers, and together with Tink, we will expand our services across Europe, continuing our mission of  changing the future of lending for the better.’

Younited and Tink's collaboration will also expand to include financial coaching. Using the same open banking data that informs lending decisions, customers can instantly access a personalised analysis of their financial situation – as well as tips and recommendations to help them manage their overall budget more effectively.

Be part of the change


Open banking is changing the lending landscape and making financial services more accessible to people across the globe. Curious about how it can transform your business? Get in touch.

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