MKTplace-data type: Affordability

prestatech

Written by veeresh on 7 Oct, 2026. Posted in Partners. No Comments on prestatech

PARTNER

PrestaTech

Reading the heartbeat of your borrowers

Key Benefits

Better underwriting decisions with cash flow data. Underwrite SMB and consumer loans on real-time affordability and cash flow signals alongside bureau data: more accurate decisions and up to 20% more approvals, including thin-file applicants, at the same risk appetite.
Catch portfolio risk before it becomes default. Monitor your existing book on live transaction data: early-warning signals weeks or months before delinquency, plus new growth opportunities and personalized offers for borrowers who qualify.

“Prestatech provided Banca AideXa with a reliable PSD2 alternative for data aggregation. Their categorization engine transformed cash flows into the analytical foundation to rapidly build a high-performing scoring model.”
Matteo Camelia, Head of data office at Banca Aidexa

The credit intelligence layer for banks

Prestatech is a credit intelligence and decisioning platform that turns bank transaction data into real-time underwriting and portfolio-monitoring signals. Built by former lenders (the team grew out of one of Europe’s first digital SMB lenders), the platform pairs bureau data with proprietary cash flow scoring, DSCR, affordability and 50+ behavioral signals, so banks approve more borrowers at the same risk appetite and catch distress months earlier. Every score is deterministic, explainable and audit-ready, built for model risk governance in regulated lending. Prestatech is not a data aggregator: it reads and interprets the transactions others move. 40 billion transaction lines analyzed; ISO 27001 and SOC 2 Type II certified. Named one of the world’s top fintech companies 2026 by CNBC and Statista.

Resources

Cash flow decisioning for
Provenir-powered banks

About PrestaTech Services

PrestaTech Products
Cash flow underwriting and credit scoring (proprietary PSCORE, DSCR, affordability)
Real-time portfolio monitoring with early-warning signals
Pre-scoring of existing customers and growth opportunity detection
Transaction categorization and enrichment
Bank statement and document parsing
90-day forward cash flow forecasting
KYC/AML triggers, covenant tracking and sanction screening
Countries Supported
- NA
- EMEA
- LATAM

Markaaz

Written by veeresh on 11 Aug, 2026. Posted in Partners. No Comments on Markaaz

PARTNER

Markaaz

Markaaz empowers businesses to accelerate growth and streamline operations through trusted, comprehensive business intelligence.

Key Benefits

Standard and Advanced Match algorithms enabled by AI/ML.
Unparalleled business coverage spanning 542M+ global businesses.
High quality data, stewarded and continuously refreshed.
280+ unique insights, powered by diverse authoritative, public, and proprietary sources.
Multi-product platform, delivering a wide range of use-cases across verification, enrichment, and monitoring.

Markaaz delivers comprehensive, trusted global business identity data.

Markaaz is the world’s most comprehensive source of verified business identity data, enabling businesses to prospect, onboard, verify, decision, and monitor clients globally. Through the Markaaz Global Data Directory, they create Golden Records that unify fragmented information into a single, trusted source. This delivers a holistic, authoritative view of a business built on global data, advanced analytics, and rigorous stewardship.

About Markaaz Services

Markaaz Products
Pre-fill: Automatically populates trusted business data at the point of entry, reducing friction, improving accuracy, and accelerating business onboarding and verification.
Business Health: Indicators that reflect the operational stability or financial condition of a business. May include status flags, activity indicators, risk signals, operational tenure, and other metrics used to gauge overall business viability.
Business Verification: verify the legitimacy and existence of a business. Includes Markaaz ID, and firmographics such as Registered Address, registration status, known identifiers such as Registration Number, Tax ID, hierarchy, and more.
Business Hierarchy: Records that contain parent–child business relationships. Hierarchy data identifies whether an entity is a headquarters, branch, subsidiary, or part of a larger corporate structure.
Compliance: Information used to assess regulatory risk and ensure legal compliance. Includes politically exposed persons (PEP) status, sanctions screening, beneficial ownership, business registration status, licensing information, and more.
P2B (Person-to-Business Linkage): Data connecting individuals to the businesses they own or manage. P2B includes beneficial owners, officers, directors, shareholders, and governance relationships that support due diligence and risk assessment.information, and more.
Countries Supported
- Global

D•One

Written by veeresh on 15 Jun, 2026. Posted in Partners. No Comments on D•One

PARTNER

D•One

A unique open banking proposition.

Key Benefits

Frictionless open banking data via ClearScore . Our ClearScore integration enables us to gather consent prior to a user’s search for credit. Our clients can then utilise this data and our IP at quote stage, meaning no requirement for further consent downstream.
Predictive risk modeling technology. We have trained a credit risk model on a market wide data set, enabling lenders to refine pricing, extend lending capacity or reduce arrears. This capability is available on your direct applications and via aggregators.

“We were impressed with D•One’s Open Banking solution, along with the supporting functionality and flexibility it provided and plan to integrate these capabilities into our lending strategies.”
CEO – NewDay

Unlock Open Banking Intelligence for Lending

D•One is ClearScore’s specialist B2B open banking subsidiary, providing lenders, insurers, and financial institutions with the data and insights needed for smarter, more inclusive credit decisions. Built on the UK’s largest open banking dataset, D•One combines real-time bank transaction data with advanced categorisation across 90+ proprietary categories to deliver actionable affordability, income, and fraud insights. Our pre-built aggregated reports integrate seamlessly into underwriting workflows, while our risk score has outperformed traditional bureau data in live lending scenarios. Whether through our embedded white-label journey, native ClearScore marketplace integration, or categorisation-as-a-service, D•One helps lenders improve conversion, reduce arrears, expand into underserved segments, and offer risk-adjusted pricing — across acquisition, customer management, and collections.

About D•One Services

D•One Products
- Account Verification
- Transaction Categorisation
- Aggregated Reporting
- Risk Scoring
- Underwriter Dashboard
- Embedded Open Banking Journey
- Marketplace Integration
- Categorisation-as-a-Service
Countries Supported
- EMEA

MOGOPLUS

Written by provenirmulti on 15 Apr, 2025. Posted in Partners. No Comments on MOGOPLUS

Partner

MOGOPLUS

AI led Insights-as-a-service for supporting lending decisions

Key Benefits

Lower cost of origination – Specialising in making sense of raw, unstructured data, our solutions provide fast and accurate data categorisation and verification insights which reduce manual efforts and loan origination costs significantly. Make better decisions with confidence.
Quicker Time to Decision – Our data agnostic, intelligent insight solutions are easily accessed via plug and play APIs. Our different insights configurations serve specific use cases such as Income Verification, Affordability, Serviceability, Vulnerability, Hardship and Collections. We focus on enabling instant decisioning and straight through processing outcomes.
Proactive customer engagement and experience – Understand the true behaviour behind your customers data with intelligent insights. Identify opportunities for new levels of personalisation and pro-active customer engagement with consent-based data exchange that increases loyalty and customer experience.
Reduced risk – Lower risk at both the origination layer and the post settlement loan servicing stage. Utilise predictive insights and analytics to identify areas like loan stress, vulnerability and hardship. Make proactive ‘next best actions’ with your customers to prevent hardship stress and costs.

“With MOGOPLUS, our credit assessment processes are now producing quicker decisions, more accurate assessments and a low friction member experience. As a small mutual we have found the solution highly beneficial for both our staff and our members.”
Operations Manager, Central Murray Credit Union Limited

Optimise your lending decisions with intelligent data insights

MOGOPLUS helps businesses with the journey from data to decisions. Our award-winning intelligent Insight Solutions cater to diverse use cases and customer journeys across multiple sectors. When customers apply for credit, we ensure their transaction data flows seamlessly transforming and enriching it to deliver actionable insights. Our comprehensive analysis empowers lenders to verify applicants’ information and make informed lending decisions, turning applications into opportunities for growth

Resources

About MOGOPLUS

Services:

GoCat
Fast, Accurate, and Secure Data Categorisation for Credit Decisioning
- Data categorization
- Category groups, Transaction amount, Total amount, Monthly average
GoVerify
Comprehensive Financial Profiling and Employer Income Verification
- Income verification
- Employer match
- Income buckets
- Recency and regularity of income parameters
GoLend
Streamlining Serviceability Assessments with Meaningful Analytics for Lending
- Credit decisioning insights focusing on affordability and serviceability metrics
- Time based Net Monthly Position
- Reliability measures of income data
GoAssist
Data rich solution for supporting vulnerable, distressed or collections based customer engagements
- Descriptive and predictive analytics
- Personalized borrower assistance post loan settlement
- Continuous Credit Monitoring capability
GoSwitch
Collects and structures biller and payee data for seamless new customer account opening
- Seamless provider switching

Valid-Systems

Written by Amy Sariego on 4 Nov, 2024. Posted in Partners, Uncategorized. No Comments on Valid-Systems

Partner

VALID Systems

VALID Systems is an AI-powered account risk, fraud and transaction decisioning company

Key Benefits

AI Fraud Signals with Robust Bank Accounts Coverage. AI-powered fraud signals with: $450M unique bank accounts within our consortium; $4T annual transactions volume to drive behavior analytics (2024); 60%+ recency within the last 6 months of transaction activities.
Instant Alerting and Triage Fraud Risk. Instant detection of bank account fraud, providing a responsive solution for recognizing fraudulent activities in compliance with GLBA requirements. Streamline fraud detection and risk management by leveraging AI-powered features to securely analyze, categorize, and prioritize potential fraud threats.

“VALID Systems has been an outstanding partner. From inception stage to post-production, the team has been incredibly attentive, accommodating, and dependable.”
MEGAN DUNN – PRODUCT MANAGER, KEYBANK

Best-in-Class Fraud Detection and Loss Reduction

Valid is a risk and fraud decisioning company with a consortium of 450M+ unique bank accounts and processed ~$40T total check transaction across the US with a coverage of 70% of US bank accounts. It partners with 7 of the top 25 FIs to drive best-in-class fraud detection, reduce losses and seamless customer experience.

VALID Systems is an AI-powered account risk and transaction decisioning company. We remove the friction caused by fraud to deliver liquidity solutions for the largest FI’s in the nation.

From check risk and deposit acceleration, to increasing loan funding rates and small dollar lending, we are your risk partner for enabling customer liquidity needs.

Resources

About VALID Systems

Services
- Bank Account Verification & Validation
- Account Opening
- Account Funding
- Alternative Credit Risk
- Payment Solutions
- Identity Verification
- Loan Originations
Regions Supported
North America

Infact

Written by Amy Sariego on 12 Jun, 2024. Posted in Partners. No Comments on Infact

Partners

Infact

Smarter affordability assessments, better outcomes

Key Benefits

Increase lending and application conversion. Increase automated decisions and acceptances with coverage of 100% of the UK’s adult population and sub-second performance.
Move towards assessing suitability. Improve expenditure assessments and go beyond RAG status and ONS by considering a consumer’s application and credit information to create an assessment that correlates with income.

“Infact’s Affordability Engine has improved our expenditure assessments delivering a 10% increase in acceptances and 20% increase in automated decisioning, while keeping application friction low.”
JAMES WILKINSON, HEAD OF LENDING, FAIR FOR ALL

Building a fair and inclusive credit information market

Infact is building a single API for modern lenders offering a cloud-based platform that facilitates more timely sharing of consumer credit information. The team is working collaboratively with UK lenders to build the next generation of affordability, credit risk and fraud products, while overcoming challenges with traditional bureau products such as poor matching, outdated reporting formats and stale data. Affordability Engine is our first product that offers a frictionless, responsive, and transparent suite of metrics lenders can use to triage customers through an application decision flow and more accurately assess if an applicant can afford the product they are currently applying for.

Learn more at www.infactsystems.com.

Resources

About Infact Services

We offer free retros to assess the value of our Affordability Engine in the following use cases:
New Lending
- Comparison quotation stage
- Embedded finance checkout optimisation
- Expenditure to complement your income verification
- Triage or applicant pre-filtering and funnel optimisation
- CONC aligned full application expenditure estimation
Customer Management
- Portfolio monitoring
- Portfolio reporting
- Portfolio risk modelling
- Consumer Duty aligned sufficiency assessment
Regions Supported
- United Kingdom

AccountScore

Written by Amy Sariego on 26 May, 2024. Posted in Partners. No Comments on AccountScore

PARTNER

AccountScore
an Equifax Company

Delivering the market-leading Open Banking solution

Key Benefits

Automate onboarding journey. Our solution enables clients to automate and speed up customer onboarding, especially if traditionally your process has required manual assessment of applications or the need to review bank statements.
Increase acceptance rates. Rich and granular Open Banking insights provide a comprehensive view of an individual’s circumstances allowing you to accept applicants that may have previously been declined using traditional data.

“AccountScore has enabled us to verify our customers with confidence whilst still being a simple user experience.”
GURINDER BAINES, TECHNICAL LEAD, LEAP LENDING

Reliable, Accurate and Comprehensive Bank Transaction Data Analytics

AccountScore’s market leading analytical solution utilizes more than 22 million keywords to categorize transactions and identify insights, patterns and behavior. AccountScore enables lenders to lend more profitably whilst cutting loan processing times, completely replacing the need to collect bank statements and pay slips by substituting these with online, real-time, reliable and fully categorized transaction datasets.

Lenders can reduce bad debt and screen out any fraudulent applications whilst exceeding internal targets for processing loan applications. This ensures that relevant consumers and SMEs get the capital they need whilst ensuring clients lend with greater precision.

AccountScore’s solution enables clients across a broad range of industries to benefit from tools such as instant income verification, digital identity, credit risk indexes, affordability calculators, actionable insights, and events.

Resources

About AccountScore Services

AccountScore Products
Income Verification: Instantly verify income, including salary, employer and benefits
Affordability Assessment: Breakdown of essential and non-essential expenditure; with a configurable disposable income calculator
Vulnerability Alerts: Key risk indicators including loss / reduction of income, high gambling, and returned direct debits
IDV & Fraud Prevention: Mixing traditional bureau data and bank-level secure customer authentication and biometrics
Commercial Risk: Verify business bank accounts to assess cashflow, liability, balance and overdraft indicators and high-risk alerts
Countries Supported
- United Kingdom
- Spain
- Ireland

AperiData

Written by Amy Sariego on 14 Dec, 2023. Posted in Partners. No Comments on AperiData

Partners

AperiData

Harnessing Open Banking to Revolutionize Credit Decisioning

Key Benefits

Better decisions across the lifecycle. Our data insights improve decision consistency, speed and accuracy from customer onboarding to account management. We harness the power of Open Banking to transform credit and lending processes that power instant, responsible, and ethical decisions.
Quick and easy to integrate. Use our developer-friendly APIs to integrate directly with your own platforms and customer journeys, unlocking all the efficiencies of data consistency and automation. Also available as a stand-alone product for your users.

“For marginal cases, traditional credit bureau data doesn’t provide sufficient information to make decisions. Using AperiData, around 90% are now approved because of the accuracy of their data.”
MATTHEW STEVENS, CEO, HEY CREDIT UNION

The Real Time Credit Reference Agency

AperiData is an FCA authorized Credit Reference Agency and Open Banking provider that uses banking data to provide real time risk insights.

We see a world where businesses can access comprehensive financial insights at their fingertips, where consumers have control over their financial data, and where data-driven decisions lead to better financial outcomes for everyone.

Our founding team bring over 100 years of combined experience gained in senior roles at organizations across financial services, software, and data service providers. This experience is embedded not only in our technology solutions but also in our proprietary delivery methodology, which enables us to efficiently implement the right solution for every client.

Resources

AmeriData Company and Product Overview

About AperiData

Services
Transaction Categorization: Our machine learning models help you better understand your customer’s income and spending patterns by accurately classifying incoming and outgoing transactions into specific categories. Use this data to make more informed risk decisions and help your customers understand where they’re spending to stay on top of their finances.
Affordability: A complete, accurate snapshot of your customer’s financial position in real time. Our affordability engine uses income and expenditure categorization to accurately calculate customer affordability. Harness rich insights and trends across income, expenditure, assets and liabilities. Understand your customer’s true disposable income and affordability, including detailed breakdown of any benefits received.
Credit Console®: The Credit Console® provides you with a high-impact, high-resolution view of our rich data insights, allowing users to quickly assess your customer’s financial profile. Available as an integrated or standalone solution to be deployed for your business quickly and easily.
Credit Scoring and Risk Indicators: Access our suite of risk flags and identifiers that highlight potential high-risk activities, or areas requiring further investigation.
Identity: Improve KYC and verify customer identity with each linked bank.
Regions Supported
United Kingdom

Equifax

Written by Amy Sariego on 13 Dec, 2023. Posted in Partners. No Comments on Equifax

Partner

Equifax

Enabling Better Customer Experiences and Driving Smarter Revenue

Key Benefits

Credit Risk. Make more confident lending decisions and expand access to credit with alternative data and robust analytics only Equifax can deliver.
Identity, Fraud, and Compliance. Equifax Digital Solutions can help protect your business, your bottom line, and your customers at every stage of the lending journey.

Equifax – Powering the USA with Knowledge™

At Equifax (NYSE: EFX), we believe knowledge drives progress. As a data, analytics, and technology company, we play an essential role in the economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. For more information, visit Equifax.com.

Resources

About Equifax

Services
- Credit Risk Solutions
- Verifications
- Identity, Fraud, and Compliance
- Data-Driven Marketing Solutions
- Alternative Data Solutions
- Portfolio Management Solutions
Regions Supported
- USA

AdviceRobo

Written by Amy Sariego on 27 Oct, 2023. Posted in Partners. No Comments on AdviceRobo

Partners

AdviceRobo

Dynamic Personality Data for BNPL and SME Credit Decisioning

Key Benefits

Increase your acceptance rate up to 40%. Incorporating personality data will enhance your scorecards with insights on customer segments like next-gen consumers, newcomers to the country, and small businesses, enabling more accurate predictions and access to previously untapped customer segments.
Seamless customer journey, low-tech integration, real-time insights. Our JavaScript plugin, integrated into your customer onboarding process, gathers data from various touchpoints and provides information, profiles, and decisions. A 24/7 dashboard offers real-time insights into the funnel, comprehensive customer data, alerts, and model performance.

“AdviceRobo is an innovative partner supporting us with their psychometric credit scoring. Our cooperation really adds value to our business. They are a great bunch of people. We are happy to team up with them and benefit from their knowledge.”
SME PLATFORM LENDER IN EUROPE

AI-Driven Solutions to Improve Your Underwriting

AdviceRobo mission is to responsibly promote financial inclusion for the next generation, globally. Younger generations possess unique attributes such as digital fluency, strong entrepreneurial spirit, and a commitment to sustainability, often overlooked by traditional financial methods. To bridge this gap, we’ve crafted an advanced data collection tool tailored for next-gen traits and behaviors.

This tool serves as the foundation for our sophisticated analytical solutions, integrating cutting-edge AI, all while upholding ethical standards and respecting privacy within the regulatory framework. Our solutions empower you to exercise greater control with automated customer data enrichment and seamless data automation through our automatic data pipelines. We also offer innovative modeling and scorecards, in addition to assisting your team in developing customized scorecards. By embracing these solutions, you can embrace the future of financial inclusion and cater to the unique needs of the next generation.

Resources

Use Case: Increase Acceptance

About AdviceRobo Services

Proprietary Personality Data
Psychometric data
Digital footprint data
Biometric data
Demographic data
Profiles and Scores
Life-centric profile
Financial health profile
Life-centric credit score
Other risk scores
Custom Solutions
Score card development
Model development
Design AI strategies and roadmaps for and with boards and management
Education and training on AI for co-workers
Regions Supported
Global

MKTplace-data type: Affordability

PARTNER

PrestaTech

Reading the heartbeat of your borrowers

Key Benefits

The credit intelligence layer for banks

Resources

About PrestaTech Services

PrestaTech Products

Countries Supported

PARTNER

Markaaz

Markaaz empowers businesses to accelerate growth and streamline operations through trusted, comprehensive business intelligence.

Key Benefits

Markaaz delivers comprehensive, trusted global business identity data.

About Markaaz Services

Markaaz Products

Countries Supported

PARTNER

D•One

A unique open banking proposition.

Key Benefits

Unlock Open Banking Intelligence for Lending

About D•One Services

D•One Products

Countries Supported

Partner

MOGOPLUS

AI led Insights-as-a-service for supporting lending decisions

Key Benefits

Optimise your lending decisions with intelligent data insights

Resources

GoCat

GoVerify

GoLend

GoAssist

GoSwitch

Partner

VALID Systems

VALID Systems is an AI-powered account risk, fraud and transaction decisioning company

Key Benefits

Best-in-Class Fraud Detection and Loss Reduction

Resources

About VALID Systems

Services

Regions Supported

Infact

Smarter affordability assessments, better outcomes

Key Benefits

Building a fair and inclusive credit information market

Resources

About Infact Services

Regions Supported

PARTNER

AccountScorean Equifax Company

Delivering the market-leading Open Banking solution

Key Benefits

Reliable, Accurate and Comprehensive Bank Transaction Data Analytics

Resources

About AccountScore Services

AccountScore Products

Countries Supported

AperiData

Harnessing Open Banking to Revolutionize Credit Decisioning

Key Benefits

The Real Time Credit Reference Agency

Resources

About AperiData

Services

Regions Supported

Equifax

Enabling Better Customer Experiences and Driving Smarter Revenue

Key Benefits

Equifax – Powering the USA with Knowledge™

Resources

About Equifax

Services

Regions Supported

AdviceRobo

Dynamic Personality Data for BNPL and SME Credit Decisioning

AccountScore
an Equifax Company