Credit LensesRequest DemoBuilt for high-volume review
Financial insight for teams making consequential decisions
Credit Lenses helps lenders and assessment platforms turn consented transaction data into consistent evidence for policy-led review.
Non-Bank Lenders
Credit and mortgage providers that compete on turnaround time while maintaining rigorous risk review and clear escalation paths.
PropTech & Rental Platforms
Tenant screening services that need immediate, reliable verification of an applicant's actual ability to pay rent.
Insurance Companies
Providers looking to dynamically assess risk profiles based on real-world financial behavior.
Use cases
Where transaction evidence supports review
Non-Bank Lenders
Non-bank lenders operate in a competitive market where turnaround time matters. Borrowers expect timely decisions, but manual statement analysis creates a bottleneck that affects customer experience and conversion.
Challenge
Balancing speed with thorough risk assessment. Moving too fast means missed liabilities; moving too slowly means losing applicants to faster competitors.
Credit Lenses Solution
Structured profiles in under 5 seconds, with potential BNPL, gambling-related, and recurring debt indicators presented for analyst verification.
PropTech & Rental Platforms
Rental affordability verification is critical for property managers and landlords. Traditional methods rely on payslips and reference checks, which are easily fabricated and slow to process. Open Banking data provides a real-time, tamper-proof view of a tenant's financial health.
Challenge
Verifying that tenants can genuinely afford rent on an ongoing basis, not just at the point of application. Fraudulent payslips and inflated income claims are rampant.
Credit Lenses Solution
Direct income verification from bank data—no payslips required. Expense analysis shows if the applicant has been consistently meeting existing financial commitments.
Insurance Companies
Insurance underwriting has traditionally relied on self-reported data and credit scores. Transaction-level financial intelligence offers a far richer, more accurate picture of risk—enabling better pricing and more personalised products.
Challenge
Understanding relevant financial stability and recurring commitment patterns beyond a single credit score, while applying permitted policy criteria and appropriate human oversight.
Credit Lenses Solution
Structured cash-flow and commitment indicators that can support policy-compliant assessment, subject to the insurer's governance, permitted-use rules, and qualified review.
Additional workflows
Other teams working with financial evidence
Buy-Now-Pay-Later Providers
BNPL platforms face increasing regulatory pressure to assess affordability. Credit Lenses provides instant, CDR-compliant affordability checks that meet responsible lending obligations.
Accounting & Financial Advisors
Advisors can leverage Credit Lenses to build a comprehensive picture of a client's financial health—categorised spending, cash flow trends, and liability mapping—without manual data entry.
Government & Social Services
Agencies assessing eligibility for financial assistance or hardship programs can use structured transaction evidence to support consistent review, subject to applicable consent, policy, and fairness requirements.
Automotive & Fleet Finance
Dealership finance teams and fleet leasing companies can speed up credit decisions at the point of sale, reducing deal fall-through rates and improving the buyer experience.