DataFlex is the next generation Open Banking API that provides more than just banking transactions. It incorporates in-line analytics, statistics and categorisation all within an easy-to-implement API.
By providing sub-second categorization of transactions, DataFlex offers valuable insights into income and expenses, supporting debt advice and lending decisions. It can also identify social benefit income and automatically assess eligibility for benefits.
Benefit Detection
Open Banking Transactions
Income & Expenditure Insights
Categorisation
Why DataFlex?
DataFlex provides seamless access to Account Information Services (AIS), enabling secure, real-time retrieval of consumers’ financial data from multiple bank accounts. You can access key information such as account balances, transaction amounts, and dates. We can also provide a list of supported banks and accounts upon request. Whether you require full open banking data or a tailored subset, the API allows you to customise your data needs and set retention periods that align with your specific use case.
Easy to Implement
We provide an integration layer to enable developers to quickly incorporate the API into existing operational systems, making the integration process seamless and efficient.
Multiple Languages
Developers can use any language to call the API, including popular options like Python, C++, and Java, ensuring flexibility and ease of use across various platforms.
In-depth Insight
Our service offers comprehensive statistical insights, including detailed income and expenditure analysis across multiple bank accounts, giving a clear financial overview.
Multi Bank Selection
DataFlex provides simultaneous access to all of a consumer’s bank accounts, combining them into a unified, single-view display for better financial management and decision-making.
Affordwise credit scores offer a highly effective method for assessing credit risk in the rapidly expanding subprime sector, which now encompasses around 30% of consumers. These scores are derived from the most up-to-date financial activity, ensuring a clear and precise representation of a consumer’s current credit status.
Affordwise provides a fair, consistent, and predictive score that empowers consumers to better understand their credit potential and take steps to improve their financial situation. At the same time, businesses gain the insights needed to make more informed, optimal decisions.
Credit Scoring
FCA Regulated
Vulnerability
Data Driven
Why Affordwise?
Unlike many credit reference agencies, we do not retain your consumer’s information on file. This reduces the possibility of data theft and mis-selling. To create a credit score, we instead use technology to access your consumer’s latest financial banking information and use advanced analytics and a training dataset, with over one billion records provided by subprime lenders and debt management firms, to determine creditworthiness.
Our Scores
Our credit scores are designed for the subprime market, offering fair, up-to-date evaluations of credit status. They provide valuable insights into default risk, helping both lenders and borrowers make informed financial decisions.
A Focus on Quality
Unlike the big three, our credit scores are highly targeted and efficient. We avoid building massive consumer data vaults, which keeps our costs low and our service sharp—allowing you to score every consumer without stretching your budget.
Regulated
We are a regulated consumer credit reference agency. This means that we are permitted by the FCA to provide you an assessment about your consumer’s credit worthiness.
Here to Share
Some lenders need loan data to be shared with other credit reference agencies. As a fully regulated CRA, we’re able to securely share your consumer credit information with others—only when you choose to do so.