Open Banking services Take full advantage of accessing your client's banking transactions
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Transactions labelling
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Budget check: automated expenses and income identification
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Credit scoring
Transaction labelling
Your client's banking transactions organized in 100+ categories focusing on what is relevant for credit scoring.
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Broad list of available labelling categories.
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Access to raw data fields as well as to derived data fields.
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Derived data fields such as derived total income of the borrower or derived salary replacement.
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Reliability score: confidence level in the labelling.
Mobility
Car
Repair, gas, parking, ...
Transport
Bus, metro, train, taxi, ...
Health & well being
Health
Hospital, pharmacy, ...
Holidays
Hotel, booking, ...
Recreation and leisure
Bar, gambling, spa and massage, ...
Cash & transfer
Abnormal fees
Negative balance, refused domiciliation
Cash
Withdraw, deposit
Investment
Savings, trading, ...
Transfer
Own, shared account, relative, other
Income
Salary
Salary, vacation savings, ...
Salary replacement
Unemployment, social security, pension, social welfare, other
Extra icome
Rental, alimony, family benefits, ...
Purchase
Food
Bakery, groceries, butcher, ...
Home
Appliance, furniture, equipment
Non-food
Online shopping, clothes, baby articles, sport material, ...
Recurrent costs
Communication
Housing
Rental, electricity, garden
Children
School fees, nursery, alimony cost
Insurances
Hospital, health (mutual), other
Credit
Mortgage, short term loan, credit card, recovery
Professional
Employee fees
Salary, fuel card, meal voucher
Professional fees
Accounting, supply, social secretary, ...
Income
Taxes
VAT, dividends, anticipated taxes
Exclusive categorization methodology
Cleaning
Get context
(optional)
Information from loan request (or other): co-borrower, declared salary, employer
Payment method
Counterparty extraction
Identify various potential categories
Using different techniques/models
Select most suited category
Budget check
Automated expenses and income identification.
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No need of long form to be filled in.
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No need to gather extra document.
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No need of human check.
Based on our exclusive categorization methodology we give you a full view on the income and expenses of your client up to 12 months in history.
Book a demoCredit scoring
Evaluate the credit worthiness of your client relying only on the analysis of the banking transactions.
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Guided and iterative connection process to extra bank accounts thanks to the assessment of the level of activity/usage on the bank accounts.
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Credit worthiness score.
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Possibility to rank the computed score using a payment default model and the related expected likelihood.
No long credit form needed
Reliable score even for profile without credit history
Instant
Comparable
Discover our expertisein action
MyTrusty
Evaluate the financial health of an individual with a single click
MyTrusty is a trusted third-party providing evaluation of the (re)payment behavior of an individual.
The individual's financial health assessment is performed through the analysis of bank transactions collected using Open Banking connection and based on the individual's consent.
