Open banking data · FCA authorised (AISP)

Get real-time income and expenditure, direct from your customer’s bank.

The next generation open banking API, with in-line analytics, statistics and sub-second categorisation of transactions, plus benefit income detection.

Use on its ownAdds to the Slick Automated Lending Platform (ALP)

Book a demo / Contact us How it works

Account information with DataFlex

Decide on real bank data, not guesswork.

Send applicants a secure link. They choose their bank and share their transactions in a few taps. Every transaction is categorised automatically into a financial health report, ready for our decision engine.

Verify incomeSee actual earnings, including non-standard and self-employed income.

Assess affordabilityUnderstand regular spending and commitments before you lend.

Lend to thin-file customersApprove good borrowers that credit scores alone would miss.

Benefit detectionIdentify social benefit income and automatically assess eligibility for benefits.

Open banking report showing the applicant’s account details and a month-by-month categorisation of spending

Your choice

Use DataFlex on its own, or as part of the Slick Automated Lending Platform (ALP).

Bring bank data into your own systems, or have it land straight in every loan record.

On its own

Bank data in your own systems.

Request and receive categorised transactions through our API.
Verify income, assess affordability and spot benefit income.
We hold our own FCA permissions, so you don’t need a separate open banking provider.

With the Slick Automated Lending Platform (ALP)

Bank data in every application.

Request open banking from any loan in one click.
Statements land in the customer’s record, already categorised.
A ready-made affordability view feeds the decision engine and Affordwise.

Explore the Slick Automated Lending Platform (ALP)

How it works

From request to report, in six steps.

Simple for your team, simple for your customer. Here’s the journey inside the Slick Automated Lending Platform (ALP).

1 Request from the loan view

Open banking sits on its own tab in every application, with one-click requests from the action menu.

2 Send by email or SMS

Choose how to reach your customer and send the request in seconds.

3 Your customer gets a clear request

A plain-English message explains why you need their data and how it’s protected, by email, SMS or WhatsApp.

4 They choose their bank

Customers pick their bank and the accounts to share, then approve in their banking app.

5 Statements land in the record

Transactions arrive direct from the customer’s bank into their record on the Slick Automated Lending Platform (ALP), each one categorised.

6 A ready-made affordability view

A month-by-month summary of income and spending, ready for underwriting and the decision engine.

Authorised and trusted

Regulated where it matters.

We hold our own permissions, so you don’t need a separate open banking provider. We are authorised by the FCA under the payment service regulations and consumer credit act to carry out the following regulated activities:

AISP Open Banking Data and Categorisation Access to a consumer’s bank account information and the authority to provide this with consent to a third party

PISP Pay by Bank Permission to initiate a payment from or to a consumer from another party.

CRA Credit Scoring Permission to create and distribute a consumer credit score for the purpose of obtaining credit or debt advice.

CISP Credit Information Services Authority to access third party credit reference information and use this to determine the financial standing of a customer.

Hope Macy Ltd is authorised by the Financial Conduct Authority as an Authorised Payment Institution (Firm Reference Number 934392) and regulated as a consumer credit firm (Firm Reference Number 962292).

FAQs

Your questions about DataFlex, answered.

The questions lenders and borrowers ask us most.

Ask us something else

What is DataFlex?

DataFlex is our open banking solution. It lets a customer securely share their bank account information with an authorised company, with their consent. For lenders, it means seeing what applicants actually earn and spend, straight from their bank, instead of relying on payslips and statements.

Are you an authorised account information service provider?

Yes. Hope Macy is authorised by the Financial Conduct Authority as an Authorised Payment Institution (Firm Reference Number 934392), with permission to provide account information services (AISP). This means we can access a consumer’s bank account information, with their consent, and securely share it with you.

Do we need our own open banking permissions?

No. Hope Macy holds its own FCA permissions for account information and payment initiation, so we are able to appoint you as our authorised agent. You will then be able to view the open banking data we obtain from your consumers.

Which banks can customers connect?

Customers can connect accounts from the major UK banks and building societies, including Barclays, HSBC, Lloyds, NatWest, Nationwide, Monzo and many more.

Can customers withdraw their consent?

Yes. Customers stay in control of the data they share and can withdraw their consent at any time.

Do we need to use the Slick Automated Lending Platform (ALP)?

No. DataFlex works on its own through our API, or can be added to the Slick Automated Lending Platform (ALP).

See DataFlex in action.

Book a demo and we’ll walk you through real bank data on a live application.

Book a demo / Contact us

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