Lending
Faster, more accurate credit decisions
Replace manual underwriting with real-time transaction intelligence. CCD2 compliant. 50%+ reduction in handling time.
Trusted by leading lenders
Traditional underwriting is broken
Credit bureaus provide limited, outdated creditworthiness pictures. Manual underwriting is slow, costly, and prone to errors. Customer-provided information is incomplete and difficult to verify.
CCD2 now requires creditworthiness assessments based on reliable, factual documentation. This isn't just about compliance, it's an opportunity to transform your lending process.
The old way
Manual document collection
Chasing payslips and bank statements
Point-in-time snapshots
Already outdated when received
Hours of processing
Slow decisions lose customers
Real-time transaction data
What actually happens in their accounts
Transform your lending process
Lenders using Subaio see dramatic improvements in speed, accuracy, and compliance.
50%+
Faster processing
Reduction in handling time
100%
CCD2 compliant
Documented & auditable
Real-time
Data freshness
Not outdated snapshots
Better
Risk assessment
See the complete picture
Complete financial picture
Transaction intelligence delivers the metrics that matter for lending decisions: documented, auditable, explainable.
Complete Budget
Full categorized breakdown of income and expenses. Ready for assessment.
Learn moreIncome Verification
Verified income from actual transactions. Salary, benefits, rental income, all identified automatically.
Learn moreExpense Verification
Complete view of commitments. Recurring costs, subscriptions, loans, and fixed expenses identified.
Learn moreAccount Verification
Verify account ownership and holder identity. Streamline KYC/AML processes.
Learn moreBuilt to adapt to your needs
Our unique flexibility in the data layer allows us to modify the solution for each lender and each use case. This isn't a one-size-fits-all platform.
Configure categorization rules, risk thresholds, and output formats to match your credit policies and decision models.
"The ability to tailor the solution to our specific credit policies was decisive. Other vendors offered rigid systems; Subaio worked with us to get it right."
— European consumer lender
Deployment options
Standalone
Quick deployment
API
Deep integration
Hybrid
Best of both
Get started your way
Whether you need to move fast or integrate seamlessly, we meet you where you are.
PSD2 integration
Don't have transaction data yet? No problem. Our built-in PSD2 connection lets you access account data directly, with customer consent. Go live fast without waiting for bank partnerships or data agreements.
- Fast time-to-market
- Pan-European coverage
- No existing data infrastructure needed
Ideal for lenders and fintechs
API with your own data
Already have access to transaction data? Send it directly to our API and get enriched budgets back. Seamless integration into your existing credit workflows with no additional data sourcing required.
- Use your existing transaction feeds
- Deep integration into existing systems
- Full control over the customer journey
Ideal for banks with existing data
Beyond initial assessment
The same data foundation supports ongoing customer monitoring, portfolio risk management, debt counselling, and proactive outreach. One integration opens multiple use cases across the lending lifecycle, and beyond, powering customer engagement across every touchpoint.
Same data. Same integration. Expanding value.
Explore Credit & Risk IntelligenceReady to transform your lending process?
See how Subaio helps lenders make faster, more accurate credit decisions while meeting CCD2 compliance requirements.