Menu
Enhanced credit scoring

Get real-time data and insights to make more accurate credit and risk assessments

See the full, current financial picture

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access data from a broad range of accounts and understand customers’ real-time finances, instead of having to rely on outdated financial records.

Strengthen your assessments

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.

Reduce operating costs

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.

Enhanced credit scoring step-by-step

How it works

  1. The customer consents to sharing the data in their various accounts (including checking accounts, loans, credit cards, mortgages, investments – among others)

  2. 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

  3. Customers get a quick result, with a solid offer that they can easily take up on

Increase approval and payback rates with Tink’s solution to enhance your credit scoring. Get access to real-time financial data and insights on spending habits.
Increase approval and payback rates with Tink’s solution to enhance your credit scoring. Get access to real-time financial data and insights on spending habits.
Enhanced credit scoring step-by-step

How it works

  1. The customer consents to sharing the data in their various accounts (including checking accounts, loans, credit cards, mortgages, investments – among others)

  2. 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

  3. Customers get a quick result, with a solid offer that they can easily take up on

Other use cases

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.