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Risk Insights

Get an in-depth understanding of your customers’ finances and detect possible risk factors based on data insights.

Get a full risk overview

Detect the most important risky patterns, without being restricted to generic reports.

Improve your risk models

Granular set of features with proven predictive power derived from default data.

Boost your business

Gain competitive advantage with opportunities to grow your business sustainably.

What you can solve with Risk Insights

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. 

What you can solve with Risk Insights
What you can solve with Risk Insights

What you can solve with Risk Insights

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. 

Simplify applications with Risk Insights

Here’s how simple your application process can be with Risk Insights.

1
Initiate application
2
Connect your bank
3
Select your bank
4
Authenticate
5
Transactions are fetched
6
Application submitted
Tink Link URL
1 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]
Initiate application

Get a broader picture with Risk Insights

Substitute outdated data with predictive indicators such as ATM behaviour, collection payments, low balance or overdraft usage, account activity and gambling to take your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.

Get a broader picture with Risk Insights
Get a broader picture with Risk Insights

Get a broader picture with Risk Insights

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.

<1 minute

Onboard in seconds instead of days

Boost in GINI

Get more accurate and smarter credit assessments

Efficient risk modeling

Improve risk decisioning models and have a stronger performance

100% digital

Payload accessible via well-documented API

Bank-level security

SCA-compliant and fully auditable process

Meet the Tink platform

An ever-expanding suite of tools, SDKs, resources and guides developers use to build great products.

Tink API

One integration connects you to

3,400+

banks and financial institutions

18

countries across Europe

Tink API

Tink Console

Your portal to the Tink platform

Setup and configuration

Configure, customise, manage, and deploy access to the financial data powering your apps.

Usage reports

Get real-time usage and performance reports without the need for a third-party solution.

Team roles

Give the right level of access to team members within your organisation.

What does connecting to banks really mean?

Documentation

Easy-to-follow guides, API reference and sample projects

Introduction to Risk Insights

Introduction to Risk Insights

Risk Insights lets you perform end-user’s risk assessments directly from their bank transactions through an API.

Perform you first risk assessment

Perform you first risk assessment

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.

Test your integration

Test your integration

Validate your information with error cases and market-specific data.

Market coverage

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.

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.