Who It Is For
The Target Market
Credit Lenses serves organisations that need fast, reliable financial risk intelligence from Open Banking data.
Non-Bank Lenders
Fast-moving credit and mortgage providers (like Athena or Plenti) who rely on speed as their competitive advantage but need rigorous fraud and risk detection.
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.
Deep Dive
How Each Segment Benefits
Non-Bank Lenders
Non-bank lenders operate in a hyper-competitive market where speed-to-approval is a key differentiator. Borrowers expect instant decisions, but traditional underwriting creates a bottleneck that erodes customer experience and conversion rates.
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
Automated risk profiles in under 5 seconds. Instant detection of BNPL, gambling, and undisclosed debts—without slowing down the applicant journey.
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
Assessing the true financial risk of a policyholder beyond credit scores. Understanding lifestyle factors like recurring health spend, travel patterns, and financial stability.
Credit Lenses Solution
Behavioural financial profiles that go beyond a credit score. Spending patterns reveal lifestyle risk factors, enabling dynamic premium pricing and more accurate reserving.
Emerging Opportunities
Other Industries We Support
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 transaction intelligence to verify claims quickly and fairly, reducing fraud and processing time.
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.