Banking API — BNPL
Bank Data-Driven Credit Decisioning for BNPL Providers
Go beyond credit bureau scores with CDR bank data analysis for BNPL credit decisions. Fiskil's API provides cash flow-based credit assessment that approves more good customers and catches more bad ones.
The Challenge
Traditional credit scores miss the real-time financial context that determines whether a consumer can afford a BNPL purchase today.
The Solution
Fiskil analyses CDR bank transaction data to build a real-time credit profile based on actual cash flow, income stability, spending patterns, and financial behaviour — not just historical credit events.
Capabilities
How Fiskil Helps
Cash Flow Scoring
Generate a cash flow score based on income regularity, surplus cash after commitments, savings behaviour, and account balance trends — signals that predict BNPL repayment better than credit scores.
Income Pattern Analysis
Identify income sources, regularity, and trends. Detect recent changes like job transitions or income drops that credit bureaus take months to reflect.
Financial Stress Detection
Identify early warning signs of financial stress including declining balances, increasing overdraft usage, dishonoured payments, and growing BNPL stacking across providers.
Thin-File Customer Assessment
Assess creditworthiness for consumers with limited credit history by analysing their banking behaviour — income deposits, bill payment patterns, and savings consistency.
Implementation
How It Works
Customer Connects Banking
At registration or first purchase, the customer connects their primary bank account via CDR consent. The process takes under 2 minutes.
Build Cash Flow Profile
Fiskil analyses 3-6 months of transaction history to generate a cash flow profile covering income, expenses, commitments, and behavioural indicators.
Generate Credit Assessment
The API returns a structured credit assessment including cash flow score, risk flags, recommended spending limit, and supporting data points for your decisioning engine.
Integrate with Decisioning
Feed the CDR credit assessment into your existing decisioning rules alongside (or instead of) traditional credit bureau data to make smarter approve/decline/limit decisions.
Ready to get started?
Get your API keys today and start building with Fiskil's Banking API.
FAQs
Related Use Cases
Lending
Credit Assessment
Assess creditworthiness using real banking behavior. Make better lending decisions with cash flow analysis, spending patterns, and financial behavior insights.
BNPL
Affordability Checks
Meet new BNPL credit licence obligations with real-time affordability assessment at point of sale. Fiskil's API verifies borrower capacity using CDR bank data without disrupting the checkout experience.
BNPL
Responsible Lending
Satisfy ASIC's "reasonable inquiries" and "not unsuitable" assessment requirements for the AUD $33.58B BNPL market. Fiskil provides the CDR data infrastructure for compliant responsible lending at BNPL scale.
Get started today
Talk to us about what you're building and we'll show you how we can help.
