Supercharge your lending with Income Analyzer
Gone are the days of relying solely on traditional credit scores. Bankuity redefines creditworthiness by examining the full spectrum of an applicant's financial behavior through their bank transactions. Transforming transactional IBV data into a dynamic dataset that reduces credit risk, enhances revenue, and reduces operating costs throughout your customer lifecycle
Introducing Bankuity’s groundbreaking Income Analyzer, the flagship product of our AI-driven suite designed to revolutionize consumer credit analysis.
Comprehensive Consumer Insights:
Leveraging static IBV data from any provider, the Income Analyzer provides real-time, actionable insights to consumer credit providers, transforming both underwriting and account servicing processes.
Real-Time Risk Assessment:
Bankuity identifies high-risk applicants instantly, allowing you to make informed decisions swiftly. Proprietary algorithms recategorize and evaluate all available bank data to verify true and consistent income to the specific account associated with the credit application. Beta clients have reduced FPD by >2% points!
Dynamic Credit Limit Adjustments:
Stay agile with Bankuity’s dynamic credit limit reassessment feature. Our system continuously monitors transaction data, automatically adjusting credit limits based on proprietary assessment of bank account cash flows. This means more personalized and appropriate credit offerings for your customers.
Identify Missed Lending Opportunities:
Whether through automated processes or manual servicing, the Income Analyzer streamlines and enhances service delivery by presenting summarized, commonly-used bank information alongside critical data essential for originating a credit applicant. By uncovering missed income, identifying new customer segments (e.g., gig, self-employed applicants) and detecting optimal debit dates, the Income Analyzer boosts lender ROI significantly
Join the Bankuity Revolution Today:
Contact us to discover how Bankuity can transform your financial decision-making process and secure your competitive edge in the market.
