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.

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.

Enable users to securely apply for new lines of credit
LENDING & CREDIT ENHANCEMENT

How it works

LENDING & CREDIT ENHANCEMENT

Underlying products

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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.

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.

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Seamless developer experience

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

Access our easy-to-use SDKs to connect and access data without managing multiple integrations.

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Reliable data

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

Featured resources

Featured

The open finance API stack: Securely access financial data with Akoya

As fintech apps continue to reshape how consumers manage and invest their money, access to high-quality,..
Case study

How DecisionLogic uses Akoya to fuel real-time credit insights and scalable growth

DecisionLogic is redefining how lenders evaluate creditworthiness. As a pioneer in real-time bank account..
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Why transparency, trust, and APIs win

For banks and credit unions of all sizes, open finance, when strategically implemented, creates a tremendous..
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Why APIs are the growth engine fintechs can’t afford to ignore

As innovation continues to accelerate, a key driver is quietly reshaping how fintechs operate: API-based data..
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Future-proof your open finance strategy

It’s time all consumers know what data they’re sharing, and with whom, across every financial institution and not..
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How to build for growth and inclusion

In today’s financial landscape, open finance is no longer a future concept; it’s a present-day imperative. The..
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Driving fintech growth with smarter data access strategies

As the industry moves beyond legacy methods like screen scraping and OFX, API-based connections have become the..
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Open finance without a mandate: a strategic business case

The recent uncertainty around the timeline of CFPB’s 1033 Rule has left many financial institutions questioning..

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.