Lending data

Open Banking for Lending: Faster Credit Decisions with Real Financial Data

Supercharge credit decisions with verified income, expenses, balances, and transaction history — available instantly with customer consent.

‍Powered by secure, PSD2‑compliant open banking.

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Trusted by Lenders and Fintechs

How open banking accelerates lending

Instant verification

Let applicants verify identity, account ownership, and income straight from their bank. Reduce drop‑off and eliminate manual uploads.

Accurate income & affordability insights

Access categorized transactions, recurring expenses, and balances to build reliable risk models and approve loans with confidence.

Faster onboarding & repayments

Use the same secure bank connection to onboard customers, set up repayment accounts, and collect instalments via Pay by Bank.

Solutions for every lending workflow

Simple and secure hosted payment and account data solutions that leaves the technical stuff to us.

Nello Data

Access normalized financial account data across banks.

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Nello Pay

Seamless pay-by-bank solutions for businesses.

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Data makes it smarter

We leverage bank data to reduce friction, fraud and settlement time.

Reliable and accurate financial data

Access current and historical transaction data via a dedicated open banking API to enhance credit scoring and reduce administration overhead.

Data orchestration & categorization

Unification across banks plus industry‑leading transaction categorization provides precise, reliable insights your teams can use immediately.

End-to-end safety

Strong Customer Authentication, account holder verification, confirmation of payee, and encryption in transit and at rest keep you and your customers safe.

Is it right for your business? Absolutely.

We work with lenders across the ecosystem

Banks & credit unions

Lending platforms

Financing companies

Mortgage brokers

Crowdlending platforms

Credit reporting agencies

Credit management companies

Credit & loan marketplaces

Leasing companies

"We are passionate about you making smart choices related to your finances and believe that one way to do that is to create a transparent market for all types of loans. What we have built in Norway using open banking, we want to take global"

Per-Jørgen Dam-Nielsen, CIO

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"We saw first-hand how blending different publicly available datasets could contribute to more effective decision making when it came to credit risk analysis, but that was just the tip of the iceberg. Together with Neonomics, we will take this to another level, significantly expanding our ability to provide real-time insights to a much broader market"

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"Neonomics is a great fit for PERX to enable fast, secure and user-friendly payments for our investors. Neonomics’ technical expertise and drive helps us to get the most out of open banking"

Lars Hafstad, CEO

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"Being a digital-only bank, we’re continuously seeking innovative solutions to deliver a great experience for our customers. By launching Neonomics highly cost-efficient payments services for loan repayment, we make it even easier for our consumers to pay while creating savings on every transaction"

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