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© Fiskil 2026. All rights reserved.
Consumer Finance
Credit Limit Calculation
Static credit limits leave money on the table or create excessive risk. Fiskil calculates optimal credit limits dynamically based on real-time financial behavior and cash flow.
Traditional credit limits don't reflect current financial capacity, leading to either foregone revenue or excessive risk.
Conservative limits leave revenue on the table
Aggressive limits lead to defaults and write-offs
Limits don't adjust with changing financial circumstances
No differentiation based on actual affordability
Good customers reach limits while risky customers overextend
Calculate optimal credit limits based on verified income, cash flow, existing commitments, and financial stability.
Set limits as percentage of verified disposable income.
Automatically adjust limits as financial circumstances change.
Different limit formulas for different risk segments.
Increase limits proactively for good customers approaching their limit.
Replace static limits with dynamic, behavior-based calculation.
Customer connects banking for credit limit determination.
API analyzes income, expenses, commitments, and financial stability.
System calculates appropriate credit limit based on affordability and risk.
Limits adjust automatically as financial circumstances change.
Limits set based on actual ability to repay, not arbitrary rules.
Limits increase for income growth, decrease for financial stress.
Limits account for existing debt and payment obligations.
Automatically increase limits for good customers before they request it.
Higher limits for lower-risk customers, with appropriate fees for risk.
Limits optimised based on typical spending patterns and needs.
A BNPL provider uses dynamic limits to maximize revenue and minimize defaults.
Result: Revenue per customer up 28%, default rate down 32% with optimised limits.
A fintech card issuer sets limits based on real-time affordability.
Result: Approved 40% more customers with thin files while maintaining low default rate.
A retailer offers store credit with banking data-based limits.
Result: Sales increased 35% with higher limits for qualified customers.
POST /credit-limit/calculateGET /accounts/{accountId}/affordabilityPOST /credit-limit/adjustGET /credit-limit/recommendedRecommended credit limit
Disposable income
Risk score
Existing credit utilization
Limit adjustment triggers
Affordability metrics
OAuth 2.0 / CDR consent
Yes
Limits based on disposable income, financial stability, existing commitments, and risk profile.
Limits can be recalculated monthly or triggered by significant financial changes.
Conservative buffering ensures limits are sustainable and don't overextend customers.
Yes, instant reassessment can approve increases when financial situation has improved.
Income loss, increased debt burden, or financial stress indicators trigger protective decreases.
More accurate because based on current cash flow rather than historical credit behavior.
Yes, limit calculation formulas can be customised by risk segment or customer type.
Lending
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Consumer Finance
Approve BNPL purchases instantly using real-time banking data. Verify affordability and reduce defaults with instant income and cash flow verification.
Consumer Finance
Verify customers can afford installment payments in real-time. Reduce payment failures and defaults by assessing true payment capability from banking data.
Join hundreds of companies using Fiskil to power their consumer finance applications. Get started today with our developer-friendly API.
Products
© Fiskil 2026. All rights reserved.