Consumer risk assessment for
Fintechs

Qualify consumer applications with speed and accuracy. Reduce customer onboarding friction & cut manual costs with automation.

We’re trusted by the world's leading companies

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Drive growth with new customers

Offer a frictionless application process that pleases customers. Advertise your company as market leaders, utilising security-conscious technology.

Combine risk & transactions data

Flag manipulated documents; waste no time on fraudulent applications. Extract transactions data, verify income sources & analyse spending habits.

Automate manual operations

Cut costs by automating manual due diligence. Spend significantly less on clunky and manual operations processes.

Gain efficiency, grow revenue

Leave behind the legacy operations flows of yesterday and use powerful data analysis and automation to scale your fintech startup. Our API works quietly in the background, offering you better affordability insights and your customers a smoother application flow.

Scale your business

Companies that work with Homeppl can convert up to 25% more customers. Unlink UK credit referencing, we confidently assess and approve customers from all profiles, including student, ‘thin-file’, international and high net worth profiles. Access a world of new customers left behind by conventional assessment methods. This is a risk management framework all fintechs should employ in 2023.

Discover more about the Homeppl full consumer credit risk check >

Mitigate fraud loss & risk

We identify customers you’ll want to work with based on a risk appetite that you define. Weed out valueless or fraudulent consumer applications early with our advanced document analysis API.

Convert any bank statement into unified code for easy-to-understand affordability insights and income verification.

Discover more about our Fraud Finder >

Add revenue streams

Once we’ve qualified consumers that meet your risk criteria, we’ll assume the risk of the financial products. Our asset and liability guarantees are universal, customisable and pay out on claims the very same day. Pass down our guarantee as premium protection products for additional revenue streams.

Discover more about our guarantees >

Frictionless international growth

By boosting Spotahome’s application approval ratings to our industry average of 96% and creating a premium guarantee product for landlords in 29 countries, we were able to contribute significantly to their business growth.

Read the full Spotahome customer story >

fintechs

Actionable intelligence for Fintechs

How can we measure risk with more precise data and find you more quality customers at speed?
Open banking algorithms
Instant income and affordability verification for tenants.
Advanced document analysis
Unique-in-the-industry technology that flags modifications via a number of tests.
Data enrichment
We generate key risk insights from financial, behavioural & device data
Fraud database
This scans applicants, detecting anomalies and flagging suspected fraud rings.

Explore the full power of Homeppl technology

Increase the performance of your risk and ops teams by adding fraud & affordability analysis to your customer applications

Fraud & data
Prevent fraud in consumer applications with document analysis. Extract, group and analyse transactions & account information from financial documents.
Risk & affordability
Build an accurate risk and creditworthiness profile for any applicant. Get more customers by assessing ‘thin-file’ & international profiles. Maintain regulatory compliance.
Guarantees
Take advantage of flexible guarantees that work universally. Protect assets without common insurance friction. Add new financial products to your ecosystem.

Something to read...

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What is consumer credit risk?
Consumer credit risk refers to the possibility of a loss due to a borrower’s inability to repay a debt in accordance with the lender's agreed terms. Consumer credit products are extended to...
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Why lenders should make technology-led credit decisions
Advanced data analytics plays a crucial role in the banking industry as it enables financial institutions to forecast trends, optimise operations, develop...
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Risk management for fintechs in the consumer loans space
Financial risk management is a crucial aspect of business growth, especially for young budding fintech companies who seek to satisfy the essential balance between...

Demo the tech making consumer risk assessment more simple for fintechs

We'll provide a short no-obligation demo of each element of our fraud tech, book below:

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