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.
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.
How it works
Authorized connection
Secure authentication
Permissioned data provided
Underlying products
Balances
Give users access to balances for bank accounts, credit cards, loans, investments, and more.
Customers
Access verified contact details and information on file at users’ financial institutions.
Transactions
Access transaction data, including amounts, dates, and details, across all account types.
100% permissioned APIs
Akoya enables lending and credit enhancement through secure APIs that access permissioned data.
Seamless developer experience
Easy integration
Access our easy-to-use SDKs to connect and access data without managing multiple integrations.
Reliable data
Rely on accurate financial data to enhance verification, reduce risk, and build confidence.
Featured resources
The open finance API stack: Securely access financial data with Akoya
How DecisionLogic uses Akoya to fuel real-time credit insights and scalable growth
Why transparency, trust, and APIs win
Why APIs are the growth engine fintechs can’t afford to ignore
Future-proof your open finance strategy
How to build for growth and inclusion
Driving fintech growth with smarter data access strategies
Open finance without a mandate: a strategic business case
Get started with your lending use case
Explore Akoya’s sandbox to see how permissioned data can strengthen credit decisions and speed up lending. Set up a free account to start.
