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access data from a broad range of accounts and understand customers’ real-time finances, instead of having to rely on outdated financial records.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

Use case provided by

Account aggregation

Get access to a broad range of account data and quality, real-time financial information from banks and financial institutions across Europe.

Data enrichment

Transform raw, unfiltered financial data into valuable information. We categorise transactions and provide insights so you can deliver better data-driven services.

Other use cases

Actionable insights

Increase sales and engagement by providing personalised actionable insights and advice in finance management or banking services based on financial data.

Cash flow follow-up

Automatically update users’ financial information in the background, so you can create more valuable services.

Funds transfer

Keep customers engaged in your environment. Use Tink’s funds transfer to let them transfer money between accounts straight from your app or website.

Goals & budgets

Add features like goals & budgets to increase engagement in your personal finance management app. With Tink, you can easily implement a range of PFM features.

Invoice settlement

Make it easier for customers to pay bills with Tink’s invoice settlement. Connect to their bank accounts and autofill the necessary invoice details.

Income verification

Instantly and seamlessly verify recurring income. Tink’s account aggregation and data enrichment helps you limit risk with access to real-time data.


Let your customers see all their accounts – no matter the bank – in your own environment. Use multi-banking to let customers see their full financial picture.

Proactive price comparison

Increase sales with price comparison. Get access to financial data to analyse customers’ expenses (with consent) and make personalised offers.


Offer a better banking experience with easy-to-understand financial statistics. Give insights based on several data points using Tink’s machine-learning models.

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.