Credit & Risk Assessment
Objective credit intelligence
Transaction-based creditworthiness and risk factors. CCD2 compliant, fully automated, and factually grounded.
Beyond bureau scores
Credit bureaus tell you about the past. Transaction data tells you about reality. See actual income, real expenses, and current financial behavior.
CCD2 requires creditworthiness assessments based on factual documentation. Transaction intelligence delivers exactly that: objective, current, and complete.
Comprehensive by default
From a single transaction feed, Subaio reconstructs a complete financial profile, covering income, expenses, debt, savings, assets, risk signals, and more. Over a dozen assessment dimensions, all derived automatically.
See all capabilitiesComplete financial picture
Everything you need to assess creditworthiness with confidence.
Complete Budget
Full budget reconstruction from transaction history.
Income Verification
Identify and verify all income sources from transaction patterns.
Expense Analysis
Categorize and analyze all expenses: fixed, variable, essential.
Account Verification
Confirm account ownership and transaction authenticity.
Disposable Income
Calculate real capacity to service additional debt obligations.
Risk Indicators
Detect gambling, payday loans, NSF fees, and other warning signs.
Savings Capacity
Analyze savings behavior and financial buffer availability.
Debt Overview
Identify existing debt obligations from transaction patterns.
Assets
Detect property, investments, and other assets from transaction patterns.
Extraordinary Expenses
Unusual income and expenses flagged for review.
Discretionary Spending
Insights into non-essential spending patterns to understand true financial flexibility.
Recurring Obligations
All recurring and fixed costs automatically identified.
50%+
Faster decisions
Automated assessment
100%
CCD2 compliant
Factual documentation
Real-time
Assessment
Instant decisions
Lower
Default rates
Better risk prediction
Your data partner, not just a data provider
Banks don't have one credit process; they have many. A mortgage assessment weighs different factors than an overdraft review or a consumer loan application. Each demands its own data emphasis, thresholds, and presentation. We know this because we've built credit solutions across these use cases with banks throughout Europe.
That's why we don't hand over a data feed and step back. We work alongside your credit team to configure everything, from how transactions are categorized to how risk indicators are weighted, so the output fits naturally into your existing decision-making process. The result isn't bolted-on data your analysts have to reconcile. It's integrated intelligence that works the way your bank already thinks.
And this partnership doesn't end at launch. As your credit needs evolve, new products, new regulations, new markets, we adapt the solution alongside you. What starts as a consumer loan assessment can expand to mortgages, car financing, and overdrafts, all on the same foundation, each tuned for its purpose.
"Other providers gave us an API and documentation. Subaio sat with our credit team, understood our policies, and delivered a solution that works the way our analysts actually think."
— Northern European retail bank
Configured for your policies
Categorization rules, risk thresholds, and output formats adapted to match your specific credit framework. Not generic data you have to interpret yourself.
Embedded in your workflow
Designed to fit naturally into your existing decision process, whether that means feeding your scorecard, enriching your CRM, or powering your customer-facing portal.
Expanding with you
One integration supports consumer loans, mortgages, overdrafts, and more. Add use cases without starting over or rebuilding integrations.
Fast to launch. Seamless to scale.
Start with our standalone solution for immediate impact, integrate via API for a seamless experience, or combine both. One platform that adapts to every use case you have, today and tomorrow.
Standalone
Go live in weeks, not months. Our white-label portal handles the full credit assessment flow, from data collection to report generation, with zero development effort.
- Quick time-to-market
- White-label ready
- Managed updates
API Integration
Embed credit intelligence directly into your existing workflows. RESTful APIs with instant responses that fit naturally into your lending platform, CRM, or decision engine.
- RESTful APIs
- Embed in existing UX
- Full control over the experience
Hybrid
The best of both worlds. Launch fast with standalone, then deepen integration over time. Mix UI components and API calls freely across different use cases and business lines.
- Fast launch, deep over time
- Mix UI and API freely
- Evolve at your pace
All implementations share the same data foundation and are fully modifiable, tailored to your market, your policies, and your workflows.
Multiple paths to transaction data
Whether you access data through open banking or already hold it, Subaio works with your existing infrastructure and is ready for what comes next.
PSD2 Open Banking
Subaio provides an integrated PSD2 open banking interface out of the box. Consumer-consented, secure, and standardised, no need to build or manage your own connection layer.
- Strong Customer Authentication (SCA)
- Multi-bank aggregation
- Ideal for non-bank lenders
Direct Transaction API
Banks already hold customer transaction data. Feed it directly into Subaio's intelligence layer, no open banking redirect needed.
- Use your own data, zero friction
- No third-party data dependency
- Fastest path for existing banks
Ready for PSD3 & FiDA
The regulatory landscape is evolving. PSD3 strengthens open banking, while FiDA will unlock access to insurance, pensions, and investment data, creating a richer financial picture.
- Broader data access with FiDA
- Enhanced consumer protection
- Future-proof architecture
Ready to improve credit decisions?
See how transaction-based assessment can reduce risk and speed up lending.