Banking API — Lending
Banking Data-Driven Credit Assessment API
Assess creditworthiness using real banking behavior. Make better lending decisions with cash flow analysis, spending patterns, and financial behavior insights.
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.
The Challenge
Traditional credit scoring relies on past credit behavior but ignores current financial health and cash flow.
The Solution
Analyze real banking transactions to assess credit risk based on income, spending, savings, and financial management.
Capabilities
How Fiskil Helps
Cash Flow Analysis
Evaluate income vs expenses, savings rate, and cash flow stability over time.
Financial Behavior Scoring
Assess financial management through overdraft frequency, bill payment patterns, and savings behavior.
Income Stability Assessment
Evaluate income consistency, multiple income streams, and employment stability.
Alternative Credit Scoring
Generate credit scores for customers with thin or no traditional credit files.
Implementation
How It Works
Request Banking Access
Applicant connects their bank account through CDR consent during loan application.
Analyze Transaction History
API analyzes 3-12 months of transactions to evaluate financial behavior and cash flow.
Generate Credit Assessment
Receive comprehensive credit assessment including risk score, income analysis, and behavioral insights.
Make Lending Decision
Use assessment alongside traditional credit data for more informed lending decisions.
In Practice
How Teams Use This
Online Personal Lender
A digital lender uses banking behavior to approve loans for customers with thin credit files.
Approved 25% more customers while maintaining default rate below 3%.
Buy Now Pay Later Provider
A BNPL service assesses credit risk using cash flow analysis at checkout.
Reduced bad debt by 40% through better identification of risky customers.
Small Business Lender
A business lender analyzes cash flow to assess loan repayment capacity.
Increased approval rate for startups by 35% with better risk assessment.
Technical Details
What You Integrate With
API endpoints
POST /credit-assessmentGET /accounts/{accountId}/credit-analysisGET /credit-assessment/{assessmentId}POST /credit-score/generate
Data returned
Credit risk score
Income stability metrics
Cash flow analysis
Overdraft frequency
Savings rate
Debt obligations
Authorisation
OAuth 2.0 / CDR consent
Real-time data access.
Ready to get started?
Get your API keys today and start building with Fiskil's Banking API.
FAQs
Related Use Cases
Lending
Income Verification
Verify applicant income instantly using real bank transaction data. Fiskil's income verification API reduces loan processing time and improves accuracy.
Lending
Affordability Check
Calculate loan affordability using real cash flow data. Ensure responsible lending with automated affordability checks based on income, expenses, and existing commitments.
Lending
Fraud Detection
Detect fraudulent loan applications using real-time banking data analysis. Identify suspicious patterns, synthetic identities, and application fraud before approving loans.
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