Deploy Instantly with API-First, No-Code Integration
Finexos integrates seamlessly via an API-first approach. Implementation is fast and simple.
Sustainable Affordability Assessments are embedded into existing decisioning workflows without disruption and do not require system overhauls. With real-time data access and automated decisioning, processes are streamlined, efficiency is increased and costs reduced. Assessments are provided instantly and with ISO27001 certification, Finexos is able to demonstrate the gold standard in data protection.
Try it for yourself
Step 1
See our test data
– Sign up with a business email
– Verify your email, company and role
– Login and see the results
Step 2
Share your sample data in our secure vault
– Data accepted in heterogeneous formats
– No PII required
– ISO 27001 certified
Step 3
What happens then?
– Data QA process
– Transited to the FIOLA® risk engine
– Data screened through 300+ factors to identify risk
Step 4
See your results
– Active Affordability
– Probability of default
– Loan Book segmentation and more
– Summary & recommendations
Our experienced team will walk you through a product demo tailored to your specific needs.
Up to
25%
Reduction in Default Rate
More inclusive lending, based on our financial capability metrics, unlocks entirely new markets whilst reducing their overall risk exposure through the use of our advanced AI and behavioural analytics. Finexos enables lenders to safely include more borrowers, even those with thin or no credit files and without the use of PII or credit scores.
If you can’t find what you’re looking for, feel free to reach out to our customer support team for further assistance.
I’m interested in an enterprise partnership or in reselling Finexos’ products. How do I contact you?
Please book a meeting or reach out via email to enquire@finexos.io and one of our team will be in touch.
How does Finexos’ approach differ from our competitors?
Conventional credit assessments focus on historical data and fixed metrics, overlooking how borrowers actually manage financial strain. Yet financial health is fluid. The Finexos Active Affordability Assessment is a live, learning system that adapts to changes in income, expenditure, and behaviour. It moves beyond repayment tracking, using transactional and real-time data to determine whether borrowers can maintain their quality of life while repaying loans. This ensures lenders make truly responsible, long-term lending decisions.
What is the difference between affordability and creditworthiness?
Affordability is a measure of the ability of a borrower to meet the repayment terms of a credit product based on their cash position on an ongoing basis. Creditworthiness is a more narrow view of the suitability of the product at a single point in time, taking into account isolated factors that affect repayment ability.
Does Finexos provide financial transaction data?
No, Finexos is a data intelligence provider that analyses transactional data provided by our customers (providers of credit). Finexos is able to integrate with all Open Banking providers and accepts data in heterogeneous formats.
Does Finexos share personal borrower related data?
Finexos does not hold or store any PII data belonging to credit applicants. We have completely anonymised the process to negate the effects of unwanted bias.
Has Finexos won any awards?
Yes, we have won Innovate Finance’s Fairer Finance Hackathon, were a finalist in Open Finance’s Global Appathon, and were voted Most Innovative Credit Repair Solution Provider UK by Wealth and Finance International.