Yapily is a popular open banking platform for lenders that want a secure, API-first way to access both consumer and business account data, and to integrate payments (PIS) within the same environment.
Yapily’s documentation, lending use cases, and single API surface make it well-suited to credit decisioning stacks where auditability, model control, and data quality matter.
Below is a comprehensive overview of the main open banking platforms lenders consider.
Top connectivity platforms used in credit decisioning
Yapily
Yapily provides AIS access to consumer and business accounts across the UK and Europe. Lenders use Yapily for:
Affordability checks
Transaction-based income analysis
SME and director cashflow assessment
Account verification and onboarding
Integrating PIS and VRP for repayments or payouts
On top of that:
Single API for AIS and payment initiation: The same integration can cover data retrieval, payouts, and repayments, which helps lenders avoid stitching together multiple vendors for a single lending journey.
Embedded, white-labelled experiences: Yapily is infrastructure-only, so lenders can build consent and payment screens directly into their own UI and keep everything on-brand.
Model ownership and clarity: Yapily supplies clean, well-structured bank data so risk teams stay in control of how affordability and creditworthiness are defined.
Built with regulated lenders in mind: The platform is designed to support audit trails and explainable decisioning, which is important for firms operating under tight regulatory scrutiny.
Tink
Tink offers AIS across multiple European markets and supplies transaction and income endpoints that lenders incorporate into affordability and risk assessment models. Its API is used as a data layer in various lending products.
TrueLayer
TrueLayer provides AIS that can support loan assessment and affordability checks. It is used across a broad set of fintech applications, and lenders may evaluate it for both data access and open banking payments.
Disclaimer: Information about other providers in this article was sourced from their publicly available websites and documentation. It is accurate at the time of writing (X/X//2025) but may change as those services evolve. Lenders should verify coverage, features, and availability directly with each provider before making any decisions.
FAQs: Finding the top open banking platforms for credit decisioning
1. Why might a lender choose Yapily?
Yapily supports both consumer and business accounts, documents lending workflows, and offers AIS + PIS in a single API surface: useful for lenders wanting unified onboarding and servicing flows.
2. Do all platforms provide the same transaction data fields?
No. Normalisation, enrichment, and available fields differ. Lenders typically test AIS endpoints directly against their affordability logic.
3. Should lenders use more than one connectivity provider?
Some lenders do, especially if they need coverage across specific banks or regions, or want redundancy within their underwriting stack. If you use a provider like Yapily, which has broad European coverage, you won’t have to use multiple providers.