Deutsche Version
Creditworthiness information in real time
Kontoblick is the modern solution for real-time creditworthiness information. The PSD2-compliant, AI-supported analysis analyses daily account transactions and provides lenders with a reliable basis for decision-making. Kontoblick can be seamlessly integrated into existing processes and supports fast, efficient and scalable credit checks.
PSD-2 compliant
AI-supported
Reliably assess solvency
Companies make financial decisions on a daily basis - whether in relation to loans, leasing agreements, rents, subscriptions or other ongoing payment obligations. Economic success depends crucially on how reliably customers or business partners fulfil their payment obligations.
Traditional credit checks are increasingly reaching their limits. The checks take time, tie up resources and make it difficult to make a standardised, objective assessment. In addition, there is often a lack of end-to-end automation and integration into existing systems - a major disadvantage in the digital age, in which decisions have to be made within seconds.
Kontoblick automates this process and enables the immediate assessment of creditworthiness and solvency based on current bank account information. The solution relies on secure, PSD2-compliant data access via the banks' open banking interfaces.
Companies receive precisely the information they need to make quick and well-founded creditworthiness decisions. Kontoblick integrates seamlessly into existing scoring systems.
Istvan Deak Senior Consultant
Are you interested in innovative payment services?
Business Development
With Kontoblick, you receive creditworthiness information in seconds and with real-time data - PSD2-compliant and AI-supported via regulated bank interfaces.
With the customer's consent, Kontoblick retrieves transactions from the last 90 days via regulated bank interfaces. The data is analysed with the help of AI: Income, regular and special expenses, liquidity and anomalies are automatically recognised - transparently and comprehensibly.
The results are available in seconds via an API and can be transferred directly into existing scoring systems. Companies immediately receive a well-founded assessment of their creditworthiness and solvency.
To greatly increase accuracy, Kontoblick uses a specially developed AI model that has been optimised for the requirements of credit rating. Thanks to this approach, our system architecture and data storage in highly secure Austrian data centres, the solution is fully compliant with the EU AI Act.
Our solution is GDPR-compliant, uses only regulated bank interfaces (PSD2) and is monitored by the FMA for regulatory purposes. All data is transmitted in encrypted form and used exclusively for the defined purpose.
