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.

Try our APIs

Contact sales

Enable users to securely apply for new lines of credit

Create a seamless credit application experience with direct access to consumer-permissioned data. Verifying identities and assessing financial health are critical first steps in responsible lending. 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

LENDING & CREDIT ENHANCEMENT

Underlying products

Balances

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

Learn more

Customers

Access verified contact information on file at your users' financial institutions.

Learn more

Transactions

Give your users seamless access to transaction data, including amounts, dates, and descriptions, across account types.

Learn more

LENDING & CREDIT ENHANCEMENT

Integrating with Akoya

See all use cases

100% permissioned APIs

Akoya enables lending and credit enhancement through secure APIs that give lenders access to consumer-permissioned financial data directly from trusted financial institutions.

Seamless developer experience

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

Easy integration

With our easy-to-use SDKs, connectonce and instantly access data from hundreds of banks and credit unions without the complexity of multiple integrations.

Reliable data

Rely on accurate financial data to enhance verification, reduce risk, and improve confidence in every credit and lending decision.

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..

Open Finance

Why transparency, trust, and APIs win

For banks and credit unions of all sizes, open finance, when strategically implemented, creates a tremendous..

Open Finance

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..

Webinars

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..

Open Finance

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..

Webinars

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..

Open Finance

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..

View all resources

Get started with your lending enhancement use cases

Explore Akoya’s self-service sandbox to see how consumer-permissioned data can simplify and strengthen credit decisioning. Set up a free account to test with sample data, then move to production and power faster, more secure lending experiences.

Read API docs