Get an in-depth understanding of your customers’ finances and detect possible risk factors based on data insights.
Detect the most important risky patterns, without being restricted to generic reports.
Granular set of features with proven predictive power derived from default data.
Gain competitive advantage with opportunities to grow your business sustainably.
Problem:
Risk assessment is done at very early stages of onboarding a client. External credit bureaus are the common source of information, but it's often limited to loan engagement of the applicant – and not even up to date. The application process can often be quite cumbersome as well, requiring a lot of manual input or paperwork from customers.
Solution:
Improve risk assessment with up to date information of the applicants' risk behaviours and spending habits – based on an analysis of their real-time transaction data. With a fully digital and seamless application process, you can also give customers a speedy, effortless experience.
Problem:
Risk assessment is done at very early stages of onboarding a client. External credit bureaus are the common source of information, but it's often limited to loan engagement of the applicant – and not even up to date. The application process can often be quite cumbersome as well, requiring a lot of manual input or paperwork from customers.
Solution:
Improve risk assessment with up to date information of the applicants' risk behaviours and spending habits – based on an analysis of their real-time transaction data. With a fully digital and seamless application process, you can also give customers a speedy, effortless experience.
Here’s how simple your application process can be with Risk Insights.
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https://link.tink.com/1.0/risk-insights/?client_id=7a294f1581c4f4c96ab1b237af7h6f1&redirect_uri=http://yourdomain.com/callback&market=SE&locale=sv_SE&external_reference=[YOUR REFERENCE]
Substitute outdated data with predictive indicators such as ATM behaviour, collection payments, low balance or overdraft usage, account activity and gambling to take your prediction skills to the next level. Improve customer portfolio with predictive features based on machine learning.
Substitute outdated data with predictive indicators such as ATM behaviour, collection payments, low balance or overdraft usage, account activity and gambling to take your prediction skills to the next level. Improve customer portfolio with predictive features based on machine learning.
Onboard in seconds instead of days
Get more accurate and smarter credit assessments
Improve risk decisioning models and have a stronger performance
Payload accessible via well-documented API
SCA-compliant and fully auditable process
An ever-expanding suite of tools, SDKs, resources and guides developers use to build great products.
One integration connects you to
banks and financial institutions
countries across Europe
Fully-managed end-user authentication
Authenticate millions of end-users across Europe through a link
All translations, local nuances and compliance taken care of
Flows are constantly improved based on data and testing
Customisable colours and fonts to match your brand guidelines
Fully-managed end-user authentication
Authenticate millions of end-users across Europe through a link
All translations, local nuances and compliance taken care of
Flows are constantly improved based on data and testing
Customisable colours and fonts to match your brand guidelines
Easily tap into the world of open banking with the Tink Console – an intuitive developer interface that lets you access financial data and configure, customise, and manage your applications.
DevPortal awarded Tink as ‘Best Developer Dashboard’ for providing a great developer experience.
Configure, customise, manage, and deploy access to the financial data powering your apps.
Get real-time usage and performance reports without the need for a third-party solution.
Give the right level of access to team members within your organisation.
Explore the full range of products through Tink Console, using test bank data for the complete testing experience. Dive into guides, resources and sample projects below to help you get up and running with your account.
Easy-to-follow guides, API reference and sample projects
Risk Insights lets you perform end-user’s risk assessments directly from their bank transactions through an API.
This article will help you get started with Tink’s Risk Insights product by fetching the bank transactions of an end-user in JSON format.
Validate your information with error cases and market-specific data.
Click on the flags to explore each country’s connection capabilities
When will my country be covered?We’re always looking to improve and expand our services. If you’d like to use this product outside of our current coverage please contact us.
Contact our team to learn more about what we can help you build – or create an account to get started right away.