Financial risk assessment solutions for
Lenders

Make faster, smarter and more accurate credit and loan decisions using advanced consumer risk and financial fraud detection software.

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Prevent application fraud

UK finance suffered losses of £700m in fraud in the first half of 2022. With more consumers needing credit, fraud is spiking.

Get instant access to affordability insights

Replace cumbersome credit agency checks and limited data with a wealth of income and affordability data points.

Convert more customers

Homeppl clients approve 25% more customers by expanding financial access securely to international and ‘thin-filed’ consumers.

Add fraud and risk analysis to each customer application

1.3 billion consumer applications for financial products were registered in 2021. With the global economic crisis, even more applications are at greater risk. We’ve detected fraud in up to 10% of qualifications this year.

Increase lending and credit approvals

Unlink credit referencing agencies, we confidently assess and approve customers from all profiles, including student, ‘thin-file’, international and high net worth profiles. Our comprehensive risk qualification assessment includes financial, residential, identity, fraud, employer, and criminal persona checks... leaving nothing to chance.

Discover more about the Homeppl full consumer risk check >

Mitigate application fraud loss & risk

Tweak your risk appetite and only approve consumers you want to work with. Weed out valueless or fraudulent consumer applications early with our advanced document analysis API.

Make better credit decisions with instant analysis of transactions data securely extracted straight from an applicant’s bank statement.

Discover more about our Fraud Finder >

Guarantee the risk

Once we’ve qualified consumers that meet your criteria, we’ll assume the risk associated with the loan. 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 >

Optimise KYC & operations flows

Save money and time by automating the tedious manual review processes associated with approving loan applications.

Our unique document processing technology can find fraud and offer insights in seconds, whilst our full financial qualification check takes on average just 1.34 days to complete.

Discover more about AML & KYC assessments >

lenders

Financial risk assessment technology

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
Turn bank statements into unified code
Regardless of Open Banking connection, convert any document into JSON code.

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.

Demo the tech making financial risk assessment more simple for loan providers...

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

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