Real-time underwriting decisions
Leverage Open Banking data to assess a consumer’s financial health in real-time.
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Assess Financial Health in Real-Time
Trustly’s proprietary, API-based Open Banking platform pulls real-time transaction data from bank accounts. Our consistent and reliable data allows merchants to inspect spending hygiene, account balance history, NSF risk, and other parameters to simplify the credit application process and make better-informed credit decisions.
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Faster underwriting assessments
Utilize up-to-date transaction and account data to build a holistic view of financial health and improve decision-making.
Leverage clear and accurate bank-grade data instantly
Build confidence in credit decisions and reduce risk by leveraging reliable data in real-time.
Build a comprehensive view of consumer financial health
Compile an account summary with up to 90 days of transaction data, including average balance, NSF histories, overdraft occurrences, and more.
Data compilation and categorization for easy decision-making
Utilize machine learning rules to make sense of retrieved financial data, ensuring accurate credit decisions.
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Harley Butler
CMO at Shipt
“Nulla massa rhoncus eget sit morbi. Duis accumsan nec et mauris mauris sed sollicitudin enim. Consequat aliquam auctor.”
Harley Butler
CMO at Shipt
“Nulla massa rhoncus eget sit morbi. Duis accumsan nec et mauris mauris sed sollicitudin enim. Consequat aliquam auctor.”
Harley Butler
CMO at Shipt
“Nulla massa rhoncus eget sit morbi. Duis accumsan nec et mauris mauris sed sollicitudin enim. Consequat aliquam auctor.”
Harley Butler
CMO at Shipt
Features
Rolling Timeline
Check 7, 60, and 90 day account balance history to avoid NSF risk.
Multi-Factor Analysis
Assess multiple attributes like cash flow habits and deposit history before making a decision.
Liability Assessment
Incorporate NSF occurrence count and overdraft amounts into risk-decisioning.
Our Impact
Get started with Trustly
Contact our payment experts to learn more about what you can build using our Open Banking platform.
