Assess any applicant, anywhere
Accept 25% more customers by expanding financial access to qualified profiles often rejected by traditional credit referencing agencies.
We’re trusted by the world's leading companies
Only 30% of defaults in the last 12 months are known to Credit Referencing Agencies. Replace data inconsistencies with precise risk decisioning.
Experience claims there are currently 5.4 million Britons currently invisible to financial services for having ‘thin’ credit files. There are more overseas.
Increase approvals of consumer applications by 25% by securely qualifying more consumers who meet your risk criteria.
Solving financial inclusion with data-driven risk technology
Traditional underwriting processes are plagued with inefficiencies and create friction for banks, lenders, fintechs, HR, real estate companies and their customers.
Credit Referencing Agencies don’t have the data infrastructure in place to assess transactional ability on profiles that don’t have a UK credit file.
Homeppl utilises Open Banking algorithms and data extraction to verify income seamlessly direct from an applicant’s authentic bank statement. We gather richer and more precise financial insights.
Self-employed professionals experience considerable friction with credit reference agencies as income sources are more complex to identify than standard employment. This is the same with high net worth individuals.
Our approach puts each applicant through 150+ risk and fraud detection tests to accurately gauge financial affordability much more precisely than standard credit checks.
Once we’ve qualified applicants, no matter their residential or financial history, we assume the risk of the assets and liabilities approved because we’re so confident in the accuracy of our profiling technology.
Our guarantees are valid internationally and payout claims the very same day. As such, these can be upsold as premium financial products to consumers around the globe.
Discover more about our guarantees >
Once a consumer submits an application for a financial product with one of our partners, that information reaches us through an integrated API, creating an easy and pleasurable digital experience for their customers.
Through Homeppl’s financial qualification technology, we’re able to build a risk profile that helps approve consumer applications instantly. Once the consumer is approved, the liability attached to that loan can be guaranteed, creating a financially inclusive win-win-win for everyone involved.
challenges we solve
Expanding financial access
Explore the full power of Homeppl’s technology
Whether you’re looking to reduce fraud loss, onboard customers, make better credit decisions, know more about your customers, reduce operational friction or approve more applications, we have a range of products to serve a range of industries.
Assess more applicants, approve more customers
We'll provide a short no-obligation demo of each element of our fraud tech, book below:
