One PSD2 compliant platform, endless opportunities.
What will you build with Tink?
Connect to 2,500+ institutions
Raw data to tangible insights
Transfers, checkout, invoices
Tools for digital banking and personal finance
Start integrating with Tink APIs in minutes
Enhanced credit scoring
Use account aggregation to access data from a broad range of accounts and understand customers’ real-time finances, instead of having to rely on outdated financial records.
Feed your risk models with additional insights. Tink enriches the data to recognise patterns and spending behaviours so you can make more accurate credit decisions.
By basing your offers on up-to-date, richer financial data, you optimise acceptance rates and reduce costs – a fair offer for your customers means less risk for your business.
Here’s how Tink can complement and enhance your credit scoring process in a few simple steps.
The customer consents to sharing the data in their various accounts (including checking accounts, loans, credit cards, mortgages, investments – among others)
The data is retrieved once customers complete their banks’ authentication process
- In the background, Tink analyses the data to recognise patterns in the transaction history
- The data and insights gathered by Tink are fed into your own credit scoring models, which will provide the results
Customers get a quick result, with a solid offer that they can easily take up on