Our White Paper

Open Banking Credit Decisioning:

An essential development for credit risk management

The economic recession triggered by the COVID-19 health crisis has affected countless households. It has highlighted an increase in risk associated with a decrease in income or credit repayment difficulties.

As a credit institution, do you know how to anticipate and integrate this increased risk in your loan portfolios?

How can you continue as a lender to grant new loans and support clients in advance of difficulties?

Our Risk Team has outlined key observations, which are laid out in our White Paper. These will be invaluable to:

  • Analyse the impact of COVID-19-related risk on salaried and self-employed workers
  • Integrate new factors to measure risk in your credit decisioning models
  • Understand why open banking is a superior tool for prediction in the evaluation of risk

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