Better, fairer lending with open banking
Integrate with a single API to access data for creditworthiness assessment and payments infrastructure for loan payouts and interest collection.
Automated lending decisions
Yapily seamlessly connects lenders to financial data using open banking, so that lenders can make real-time risk assessment based on consumer's actual financial behaviour.
Harnessing deep-learning technology, Yapily provides access to categorised transaction data to uncover invaluable insight. From spending patterns, sources of income, debt and identity verification, lenders can build a customer profile to deliver customised capital suited to the borrowers needs.
Verify income & employment
Automatically identify regular & unpredictable income streams.
Assess and manage credit risk
Assess creditworthiness and affordability using real-time transaction data.
Streamline user onboarding
Improve user onboarding with real-time identity data directly from banks.
How it works
User selects their bank
Authorises access to their data
All done, user is automatically redirected back to the app