How does Akoya support lending and credit enhancement use cases?

Akoya enables lenders to access consumer-permissioned financial data for credit decisioning through secure, OAuth-based API connections. Borrowers connect their financial accounts during the application process, authenticate directly with their bank, and authorize data sharing. Lenders receive instant access to verified account details, balances, and transaction history, supporting faster, more accurate, and fully compliant credit decisioning.

What financial data can lenders access through Akoya?

Through Akoya's lending use case, lenders can access verified account details and balances for account and asset verification, identity information including name, email, and phone number for identity verification, and transaction history for credit scoring, fraud prevention, and underwriting, all sourced directly from financial institutions through consumer-permissioned connections.

How does Akoya help reduce fraud in lending applications?

Akoya reduces fraud risk in lending by providing verified financial data directly from financial institutions rather than relying on applicant-submitted documents or screen scraping. Because users authenticate directly with their bank and authorize specific data, lenders receive accurate, tamper-resistant account information that supports stronger fraud prevention and more confident underwriting decisions.

How are borrower credentials protected during the credit application process?

Borrowers authenticate directly with their financial institution through Akoya's secure connection. Credentials are entered only within the institution's environment and are never shared with the lender or application. An authorization code is exchanged for secure tokens that allow only the authorized financial data to be accessed.

How do developers integrate Akoya for lending workflows?

Akoya's developer-friendly platform makes it simple to integrate permissioned data access into existing lending workflows using Akoya's SDKs. Developers access the data needed for account verification, identity confirmation, and underwriting through a single integration covering a broad network of financial institutions. Testing is available through the self-service sandbox at recipient.ddp.akoya.com.

LENDING & CREDIT ENHANCEMENT

Consumer-permissioned data for smarter lending decisions

Deliver enhanced lending experiences with Akoya. Our secure APIs provide direct, consumer-permissioned access to financial data, reducing fraud and speeding credit decisions.

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Enable users to securely apply for new credit

Create a seamless credit application experience with direct access to consumer-permissioned data. Verify identities and assess financial health as key steps in responsible lending practices. Securely access the data needed for account and asset verification, credit scoring employment verification, fraud prevention, and underwriting — all through a single, trusted connection.

LENDING & CREDIT ENHANCEMENT

How it works

Authorized connection

A user connects their financial accounts to securely share verified data with a lender during the credit application process. The app displays a list of financial institutions for the user to select. After selecting an institution, the user gives consent, and the app initiates a secure connection before redirecting them to their financial institution to log in.

Secure authentication

Permissioned data provided

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LENDING & CREDIT ENHANCEMENT

Underlying products

Balances

Give users access to balances for bank accounts, credit cards, loans, investments, and more.

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Customers

Access verified contact details and information on file at users’ financial institutions.

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Transactions

Access transaction data, including amounts, dates, and details, across all account types.

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LENDING & CREDIT ENHANCEMENT

Integrating with Akoya

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100% permissioned APIs

Akoya enables lending and credit enhancement through secure APIs that access permissioned data.

Seamless developer experience

Our developer-friendly platform makes it simple to integrate into your existing lending workflows.

Easy integration

Connect and access data without managing multiple integrations.

Reliable data

Rely on accurate financial data to enhance verification, reduce risk, and build confidence.

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Get started with your lending use case

Try Akoya’s sandbox to see how permissioned data can strengthen credit decisions and speed up lending. Set up a free account to start.

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Consumer-permissioned data for smarter lending decisions

Enable users to securely apply for new credit

How it works

Authorized connection

Secure authentication

Permissioned data provided

Underlying products

Balances

Customers

Transactions

Integrating with Akoya

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