Credit & Financing

Facilitate real-time credit decisions

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Instant credit decisions. Less risk.

Your ticket to providing both businesses and consumers with not only faster, better, and more accurate credit decisions but also simplified (re)payment solutions.

Credit decision-making powered by Open Finance

Shorten time-to-yes

Simplify the onboarding process by automating the retrieval of financial data and proof of identity documents directly from the source.

Automate credit verification processes

Alleviate your team from doing manual, low-value, and time-consuming credit verification tasks that are prone to human error.


Simplify (re)payments

Transfer funds to customers in less than two minutes and automate repayments with payment solutions that seamlessly sync between bank accounts, apps, merchants, and credit providers.

Improve risk management

Improve your credit scoring models and make credit decisions with confidence using honest, accurate, and up-to-date categorized financial data.

Fuel innovation

Enable next-gen credit services like BNPL (Buy Now, Pay Later), micro-lending, and more.

“The quality of the technology and ease of integration provided by Powens has enabled us to retrieve our customers' banking data in just one day. We now offer a split payment path in less than a minute with the highest acceptance rate in the market.”
Louis Chatriot
CEO - Alma
“With Powens, we can connect to our customer's bank accounts and view their last three bank statements to provide a score. As a result, the loan application process is significantly streamlined and shortened, with a decision provided in less than 24 hours.”
Riadh Alimi
CEO - Finfrog
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Ready to create real-time credit experiences powered by Open Finance?

Explore our developer resources, including a test environment