- ProductsCreate exceptional embedded finance and payment experiences with Powens.
- BankInstant access to clean, standard bank account data.
- PayMove money instantly and accept payments freely.
- WealthUnique data for unique savings & wealth management apps.
- TrustFully-compliant customer verification and onboarding
- CheckBank identity checks, automated.
- AdvisoryReal-time revenue-checking solution
- SolutionsLearn more about the use cases and business activities we serve.
- By use case
- By industry
- By company
- DevelopersInitiate payments, and aggregate all the financial data and documents you need from over 1800 institutions using a single API and unified development environment.
- About usWe’re building Europe’s number one Open Finance platform.
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Credit & Finance
Streamline lending. Control risk.
Lend faster and more fairly
As credit and financial services become more specialised, they’re also becoming more competitive. Open Finance can help you lend faster, more fairly, and with less risk — so you can operate more efficiently, create new orms of embedded credit and finance, and gain a competitive advantage.
Improve credit scoring
Assess affordability, income, and assets based on real-time behavioural data from accounts and payments. Complement existing credit scoring and risk models.
Get documents & data at the source
Remove the friction of ID, resource verification, and KYC/B processes. It is not possible to tamper with documents or provide out-of-date versions.
Improve the experience of loan approval. Capture business faster than the competition.
Simplify and reduce the cost of disbursements and repayments. Provide more flexibility and visibility while reducing delinquency.
Allow new forms of financing
Create new consumer and business services, such as buy-now-pay-later, credit-as-a-payment, or revenue-based financing.
“Powens' Open Banking solution is at the heart of our value proposition: fast, flexible online lending. Access to bank account data is fundamental to lending quickly, responsibly and in the right conditions.”
Head of French Branch - Riverbank
Discover more solutions by industry
See how we’ve helped businesses in all kinds of industries.