Credit & Risk Intelligence
Transaction intelligence for credit decisions
Factual financial data to support creditworthiness assessments. CCD2-compliant, real-time, and fully automated.
Trusted by leading financial institutions
Millions
Budgets delivered
Powering credit decisions at scale
Pan-EU
European market reach
Proven across multiple markets
30m+
Saved time per case
From hours to minutes
99%
Accuracy
Reliable, factual financial data
CCD2 changes everything
The EU Consumer Credit Directive (CCD2) requires creditworthiness assessments based on reliable, factual documentation. This isn't just about compliance, it's an opportunity to transform your understanding of customers.
Traditional budget assessments rely on customer-provided information, manual verification, and outdated snapshots. Transaction-based intelligence changes this entirely.
The old way vs. the new way
Customer-provided information
Prone to errors and omissions
Manual document verification
Time-consuming and costly
Point-in-time snapshots
Already outdated when received
Real transaction data
What actually happens in their accounts
Why transaction intelligence?
By analyzing actual account data, lenders gain an instant, factual view of each customer's financial reality.
Frictionless journeys
Budgets created automatically from transaction data. No manual input from customers. No chasing missing documents.
50%+ reduction in handling time
Better decisions
A factual, complete view of each customer's finances enables more accurate credit assessments and relevant guidance.
Documented & auditable
CCD2 compliant
Meet regulatory requirements with reliable, factual documentation that stands up to scrutiny.
Ready for what comes next
What you gain
Complete, categorized breakdown of all financial flows: documented, auditable, explainable.
Disposable income
Verified income after all commitments. What's actually left each month.
Savings capacity
Demonstrated ability to build reserves over time.
Assets identification
Detect property, investments, and other assets from transaction patterns.
Extraordinary transactions
Unusual income and expenses flagged for review.
Discretionary spending
Insights into non-essential spending patterns to better understand true financial flexibility.
Recurring obligations
All recurring and fixed costs automatically identified.
Risk indicators
Gambling activity, debt collection, and other warning signals surfaced automatically.
Custom fit
Tailored for all your use cases and configured for your market. Not a one-size-fits-all platform.
And much more, our solution is ever expanding with new capabilities and data points added continuously.
Deploy your way
Whether you need to move fast or integrate deeply, we have you covered.
Standalone
Ready-to-deploy solutions that get you live quickly. Full functionality out of the box with minimal integration effort.
- Quick time-to-market
- White-label ready
- Managed updates
API integration
Full API access for tight integration into your existing systems. Build credit assessment directly into your workflows.
- RESTful APIs
- Embed in existing UX
- Full control
Hybrid
Best of both worlds. Start with standalone and extend with APIs as your needs evolve.
- Fast launch, deep over time
- Mix UI and API freely
- Evolve at your pace
All implementations and underlying data are fully modifiable across every use case, tailored to your market, your policies, and your workflows.
Built to adapt
Our unique flexibility in the data layer allows us to modify the solution for each customer and each use case. This isn't a one-size-fits-all platform.
This adaptability has proven essential for many of our clients, and is a key reason why they chose our solution over alternatives.
"The ability to tailor the solution to our specific credit policies and risk models was decisive. Other vendors offered rigid systems; Subaio worked with us."
— European retail bank
Custom categorization
Adapt transaction categories to match your credit policies and risk framework.
Configurable rules
Define how income, expenses, and risk factors are calculated for your specific needs.
Multi-use case support
Same platform, different configurations for mortgages, consumer loans, overdrafts, and more.
One foundation. Every channel.
Everything starts with financial clarity. Our credit and risk assessment solution shares the same foundation and data layer as our other solutions, so you can extend across your entire bank without starting over.
Credit & Risk
Lending decisions
Aspirations & Goals
Financial guidance
Personal Finance
Customer engagement
Insights & Signals
Opportunities & risks
Start with credit assessment. Expand to subscription management. Add personal finance tools.
Same data. Same integration. No duplication.
Beyond credit decisions
Real-time customer understanding isn't just for credit decisions. It's the infrastructure for proactive engagement, personalized service, and the kind of banking experience customers increasingly expect.
Transaction intelligence can be applied across the entire customer journey.
- Onboarding & KYC
- Financial health checks
- Debt counselling
- Product recommendations
- Proactive outreach
Proven at scale and across the EU
Millions of assessments
Powering credit decisions at Europe's largest banks, including the largest bank in the Nordics.
Related solutions
Explore how Subaio addresses other business challenges.
Ready to transform your credit process?
See how transaction intelligence can support CCD2-compliant credit decisions with factual financial data.