More Credit Approvals, Fewer Risks

At KrediFin, we've developed a superior approach to consumer credit. We leverage real data, apply deep credit risk expertise and harness the power of advanced AI to ensure more people have access to the credit they deserve.

Smarter Credit Decisions

  • Maximum Approval Rates

    KrediFin boosts credit approval rates by leveraging data-driven insights that streamline decision-making and minimize risk.

  • Enhanced Risk Assessment Accuracy

    KrediFin achieves more precise risk evaluations with advanced machine learning models that ensure more accurate credit assessments.

  • More Sustainable Credit

    Utilizing cutting-edge its cutting-edge credit model, KrediFin optimizes loan parameters to improve customer retention and satisfaction.

6 Reasons Why

At Kredifin we have developed technology for a superior credit experience - from application flow to credit decisioning.
Our technology is based on real data, grounded in long-standing credit risk expertise and leveraging the advanced AI.

  • More eligible borrowers

  • Streamlined applications

  • Better customer experience

  • Sustainable borrowing

  • More efficient processing

  • Lower cost of risk

Partner with KrediFin

Open up an additional revenue stream while reducing risk

Partner with KrediFin to offer a KrediFin loan to customers that fall outside of your risk appetite. With our proprietary AI-based credit risk engine, we can identify unknown patterns of risk, allowing us to find those credit-worry borrowers that might be overlooked by traditional risk models.

We'll help keep your customers satisfied and happy while you maintain a comfortable level of risk.

No change to your existing risk and credit decision models

Optional integration directly in your online application flow

Declined applications to be re-routed to KrediFin

KrediFin books accepted loans into our books and you receive a booking fee

Let KrediFin support your own credit offering through our SaaS offering

Maximize Conversion

Loan application flows are time consuming and prone to error. Many prospective applicants give up before they complete. Allow us to pre-fill loan applications based on open banking data and our attribute prediction model.

Shorten the customer journey, minimize manual input and remove barriers to application completion

Target Pricing for Consolidation

You may be missing opportunities to consolidate your customers’ loans. Get up-to-date and accurate information regarding existing loans, as well as a calculation of current outstanding and APRs for potential consolidation.

Optimize loan offering for potential consolidation

Optimize Your Credit Portfolio

Your credit portfolio may not be meeting expectations. Let KrediFin perform an analysis of accepted and/or declined applications using KrediFin credit risk engine with AI-risk score.

Improve portfolio by identifying future bads and/or opportunities for portfolio expansion

Streamline Loan Offering

Verification of application information slows the whole loan process down. Get automated and detailed household income and expense calculation without need for further paper-based verification.

Increase efficiency, accelerate time-to-yes and increase customer satisfaction

How it Works

We apply sophisticated AI algorithms to better understand customers their risk profile. This enables us to offer credit to a wider range of applicants at a lower cost of risk.

  • Registration

    Applicants sign-on with their online banking credentials

  • AI Analysis

    Existing loans and obligations are analyzed (open balances, monthly installments, remaining durations, APRs) as well as 40 personal attributes required for loan application

  • Risk & Offer Calculation

    KrediFin delivers a highly advanced and discriminating risk score as well as full set of application and financial data enabling smart credit decisions and accurate pricing.

Banking transactions are at the centre of decision-making

KrediFin offers an innovative solution for transaction analysis, enabling more accurate credit decisions.

By utilizing advanced machine learning algorithms, our platform analyzes customer financial flows and transactional activity in real-time. This enhances creditworthiness predictions and reduces the risk of defaults.

KrediFin can increase approval rates while maintaining sustainable risk management and ensuring maximum efficiency in the decision-making process.