Products
© Fiskil 2026. All rights reserved.
Lending
Credit Assessment
Credit scores provide limited insight into actual financial behavior. Fiskil's credit assessment analyzes real banking transactions to evaluate creditworthiness based on income stability, spending patterns, and cash flow management.
Traditional credit scoring relies on past credit behavior but ignores current financial health and cash flow.
Credit scores don't reflect current income or employment
Thin credit files prevent assessment of creditworthy customers
No visibility into cash flow management and financial behavior
Can't assess gig workers or recent immigrants with limited credit history
Static scores don't capture recent financial improvements
Analyze real banking transactions to assess credit risk based on income, spending, savings, and financial management.
Evaluate income vs expenses, savings rate, and cash flow stability over time.
Assess financial management through overdraft frequency, bill payment patterns, and savings behavior.
Evaluate income consistency, multiple income streams, and employment stability.
Generate credit scores for customers with thin or no traditional credit files.
Integrate banking behavior analysis into your lending decision process.
Applicant connects their bank account through CDR consent during loan application.
API analyzes 3-12 months of transactions to evaluate financial behavior and cash flow.
Receive comprehensive credit assessment including risk score, income analysis, and behavioral insights.
Use assessment alongside traditional credit data for more informed lending decisions.
Proprietary risk models analyze banking behavior patterns to predict credit risk.
Track frequency and magnitude of overdrafts as risk indicators.
Evaluate payment reliability through recurring bill payment analysis.
Assess financial resilience by analyzing savings patterns and emergency fund maintenance.
Identify existing loans, BNPL commitments, and credit card payments from transactions.
Detect improving or declining financial health through trend analysis.
A digital lender uses banking behavior to approve loans for customers with thin credit files.
Result: Approved 25% more customers while maintaining default rate below 3%.
A BNPL service assesses credit risk using cash flow analysis at checkout.
Result: Reduced bad debt by 40% through better identification of risky customers.
A business lender analyzes cash flow to assess loan repayment capacity.
Result: Increased approval rate for startups by 35% with better risk assessment.
POST /credit-assessmentGET /accounts/{accountId}/credit-analysisGET /credit-assessment/{assessmentId}POST /credit-score/generateCredit risk score
Income stability metrics
Cash flow analysis
Overdraft frequency
Savings rate
Debt obligations
OAuth 2.0 / CDR consent
Yes
Banking behavior analysis provides current financial health insights that complement credit scores, enabling better decisions especially for customers with limited credit history.
We recommend 6-12 months of transaction history for comprehensive assessment, though 3 months minimum can provide useful insights.
It's best used alongside traditional credit checks for comprehensive assessment, though it can enable lending to customers with thin credit files.
Banking behavior models achieve 85%+ accuracy in predicting default risk when combined with traditional credit data.
Yes, banking transaction analysis is an acceptable data source for responsible lending assessments under NCCP.
All access requires explicit CDR consent, and analysis is performed securely with data encrypted and access audited.
Yes, business banking transactions can be analyzed to assess business cash flow and credit risk.
Lending
Verify applicant income instantly using real bank transaction data. Fiskil's income verification API reduces loan processing time and improves accuracy.
Lending
Calculate loan affordability using real cash flow data. Ensure responsible lending with automated affordability checks based on income, expenses, and existing commitments.
Lending
Detect fraudulent loan applications using real-time banking data analysis. Identify suspicious patterns, synthetic identities, and application fraud before approving loans.
Join hundreds of companies using Fiskil to power their lending applications. Get started today with our developer-friendly API.
Products
© Fiskil 2026. All rights reserved.