Credit scoring uplift

We provide more context to the data. Predict whether your potential customers would repay the loan or not.

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Make more accurate assessments and increase acceptance rates

Decisions based on hard data – transaction history

Decisions based on hard data – transaction history

Provide more context to the data - thanks to machine learning predict whether your potential customers would repay the loan or not.

Fully customizable at every stage

Fully customizable at every stage

Credit scores can be customized for clients’ needs to optimise default rate and increase acceptance rate at the same time.

Various implementation methods

Various implementation methods

Depending on process you have, solution can be applied to your credit scoring model as additional guidelines or input features in your model.

Faster and more accurate credit decisions

Faster and more accurate credit decisions

Solution compliant with the strictest of regulations: PSD2 and GDPR.

Check how open banking changed services across industries

Discover how customers succeed with Kontomatik.

A new standard of tenant screening on the Polish market

A new standard of tenant screening on the Polish market

We have based our solution on open banking to immediately provide the best user experience possible. Open banking allows us to instantly analyze transactional data and issue a comprehensive but user friendly report.” Piotr Pajda, Co-founder & CEO of simpl.rent

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Matching people who have money with those who need them via technology

Matching people who have money with those who need them via technology

Customers expect an intuitive and fluid experience. Working with Kontomatik enables us to optimize the onboarding process further and improve our credit risk management among our borrowers.- comment Oleg Babiy, CBDO at Kviku.

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Open banking and data building a new level of user experience in e-commerce

Open banking and data building a new level of user experience in e-commerce

Kontomatik provides a secure and reliable service which eliminates manual work, saves time and money and allows us to scale and grow. - Adolfo Delibes, CPO, Rentchester

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Market leaders use Kontomatik

A platform that facilitates choice, simplicity and performance. All this is backed by caring expert support so that you stay focused on what you do best, win as an individual and succeed as a business.

Number of successful imports

7600000
bnp
Sun Finance
Robocash
Aventus
Smeo
bancovo

Uplift your credit scoring with machine learning

Our engineers prepared and tested over 1.2 million+ of distinct features like: recent changes in spending behaviour, likelihood of loans being spent on risky financial behaviour e.g. gambling, undocumented & informal income, increase in frivolous spending, loan loops detection and many others.

Other services

Check how Kontomatik features may help your business.

Know Your Customer

Know Your Customer

Verify your customer online by extracting his personal data from his online banking. Automate the process and make it quicker and easier.

Customer onboarding

Customer onboarding

Onboard your customers with easy-to-use widget - simplify the process and move it to online channels. Use the data from user banks accounts to remove manual actions, create a seamless customer experience and increase conversions by making the process easy and error-free.

Income and account number verification

Income and account number verification

Get access to real-time and reliable data about client’s income structure and verify bank account number before making any transfers. Make more accurate assessments and increase acceptance rates.

Credit scoring uplift

Credit scoring uplift

Use fully customized on every stage machine learning based credit scoring insights to reduce default rate and increase acceptance rate at the same time.

Fraud prevention

Fraud prevention

Verify your customer identity online, check account background and authenticity, verify financial status to improve risk management and reduce frauds.

Access to user transaction history and transaction categorisation

Access to user transaction history and transaction categorisation

Check customer transaction history and understand his inflows and outflows - you can gauge trends and metrics across various dimensions like revenue, loans, lifestyle, healthcare spending, recurring money obligations and other.

Your success is what drives us

Talk to our experts today to help find the right solution for unleashing your bank's potential.