Credit Insights

Transform raw transaction data into meaningful insights

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1

Extracts the best analysis with a focus on credit categorization vs. a classical budget categorization.
2

A month-by-month view of the applicant’s financial management.
3

Enriched with meaningful insights for enhanced lending decisions.

Easily retrieve
enriched
transactional data

Lenders can instantly retrieve categorized Open Banking data that is easy to understand and ready to use.

In addition to categorized data, Credit Insights provides actionable insights on top of which lenders can build their own applications and forecasting/predictive models.

Some examples of data you can retrieve through Algoan Credit Insights:

A list of monthly amounts of detected incomes and expenses, as well as their categories (rent, loan, wage, allowance, etc.)
The residual income
The debt-to-income ratio
The presence of fund seizures directly on bank accounts
The presence of wage advances, with their total amount
The number and the total amount of payment incidents, such as debit rejections
The number and the total amount of recent credit line drawdowns
Indicators about overdrafts, such as the maximum overdraft

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Key benefits

Lending categorization specialty

No more imprecise and generic categorization tool, we know the credit specificities.
Cross-border

Bank transaction data in all forms and languages is no secret to our categorisation and enrichment tools.
360° view

Retrieves a dynamic and overall view of borrower’s financial situation for better lending decisions.
Seamless integration

Integrate our Algoan Credit Insights API with just a few lines of code thanks to our well-documented API.

Think global,
act local!

Algoan Credit Insights models have been developed to analyze all national, international transaction data : France, Spain, UK, Germany, Portugal, Italy, Belgium etc. you name it!