Reinventing Credit Decisioning: Why Real-Time Data Matters

Credit risk doesn’t stand still - so why do most credit models treat it as if it does?

Our latest white paper explores how real-time financial data is transforming the way organisations make credit decisions, manage repayments, and build trust with customers.

Inside, you’ll find:

• Why static bureau scores are no longer enough to understand affordability or risk.

• How real-time data, delivered securely through open banking, enables faster and fairer decisions.

• The role of embedded payments in reducing arrears and improving cashflow predictability.

• Use cases across lending, utilities, property, and subscription models.

• Human impact stories that show how smarter credit isn’t just about profit - it’s about inclusion and trust.

This isn’t about incremental change. It’s about rethinking the entire credit lifecycle - from application to repayment - around live signals instead of outdated snapshots.

Want to see how real-time data can reshape credit?

Complete the form below to download the white paper and explore the full picture.