Connect consented data
Receive transaction history through your existing CDR workflow and normalise account, date, merchant, and currency fields.
Transaction intelligence for credit teams
Credit decisions start with a clearer view of cash flow.
Credit Lenses turns consented Open Banking transactions into structured income, expense, commitment, and risk indicators for faster, better-informed underwriting.
Designed to support qualified reviewers, not replace lending policy or human judgment.
Applicant profile / CL-2048
Cash-flow assessment
Review ready
Income consistencyStrong
Expense volatilityModerate
Debt commitments2 detected
Cash-flow buffer18 days
Monthly cash flow
+$2,840
Reviewer note
Expense volatility increased in the latest period. Confirm context before applying policy.
< 5s
Average processing time
99.2%
Categorisation accuracy
50+
Spending categories
24 mo
Transaction history
From consent to assessment
A shorter path from raw transactions to a reasoned review.
Interpret transaction patterns
Combine deterministic merchant rules with contextual analysis to classify income, expenses, commitments, and review signals.
Return a review-ready profile
Deliver structured JSON or a visual report that fits into an analyst's existing underwriting and escalation process.
Made for existing decision systems
Structured outputs your team can inspect and integrate.
Use a visual report for analyst review or consume the same indicators as JSON within an origination, affordability, or case-management workflow.
Source-linked categories
Trace indicators back to grouped transaction evidence.
Policy-ready signals
Map income, expenses, commitments, and anomalies into existing rules.
Review context
Keep exceptions visible so analysts can investigate rather than infer.
POST /v1/profiles200 OK
{
"profile_id": "CL-2048",
"income": {
"frequency": "fortnightly",
"stability": "strong"
},
"cash_flow": {
"monthly_surplus": 2840,
"volatility": "moderate"
},
"commitments": {
"recurring": 2,
"review_required": true
},
"decision": null
}The response supplies evidence for review. It does not issue an approval or decline decision.
Decision support by design
Signals deserve context, not blind acceptance.
Credit Lenses indicators are inputs to an organisation's policy and review process. They are not standalone credit decisions or financial advice.
Human review
Qualified decision-makers remain responsible for interpreting indicators and applying lending policy.
False-positive checks
Potential gambling, liability, and fraud signals should be validated against source transactions and customer context.
Explainable evidence
Material indicators should remain connected to the categories and transaction patterns that contributed to them.
Ongoing monitoring
Rule and model performance should be reviewed for drift, consistency, and unintended outcomes throughout deployment.
Evaluate Credit Lenses
See how the workflow fits your credit operation.
Share a little about your current process. A walkthrough would normally cover data inputs, output fields, integration options, and review controls.
Prefer email? info@creditlenses.com