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        Open banking payments made easy for you and your customers
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        Streamline credit decisioning with categorised data
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Streamline credit decisioning

Smarter data aggregation and categorization is here! There's an easier way to do loan applications.

Let's talk

Comprehensive data

Machine learning

Our categorization engine keeps track of trends and patterns over time for maximum accuracy.

Value-added data

Get raw transactional data categorized into a wide variety of predefined income and expenditure categories.

Broad coverage

Aggregate data across multiple banks and account types to create a comprehensive picture of their financial well-being.

Faster and smarter insights

Harness the power of open banking to make better lending decisions – faster.

Faster conversion

Enhance customer experience by enabling an easy, safe and compliant way to submit financial information for near-instant credit decisioning.​

Automation

Reduce time-consuming manual processes and improve analysis accuracy with automated AI-driven categorization.

Accuracy

Reduce administration time and operational costs without compromising your level of service, security or compliance.​

Lending done right

Mortgages

Process applications immediately with comprehensive and reliable financial data available in minutes.

Car/boat loans

Evaluate income to expenditure levels to determine amount, rate and payback period on the spot.

Small loans

Make swift decisions on eligibility and amount, while reducing risk.

Credit lines

Evaluate income to expenditure levels to determine eligibility and amount.

Buy now, pay later purchases

Make swift and informed decisions on invoicing eligibility at point of purchase.

Simple, seamless, and secure

Enable a secure way for your customers to provide lending information – faster

Step 1

Choose bank

The user finds their bank and performs a secure authentication to connect.

Step 2

Select accounts

The user chooses the accounts and information necessary for the application.

Step 3

Authorize and submit

The bank verifies and allows access to the data for the lending process.

Cover of Experian case paper

Fast, reliable credit assesment that ensures reduced risks for lenders

Experian x Neonomics

Experian, the world’s leading data and information services company, has partnered up with Neonomics to enable broader insights for lenders and greater access to credit for consumers.

Download casepaper

Why leading lenders choose us

Competitive pricing

Our pricing model is based on the number of transaction. You pay what you transact – not for inactive users.

Secure and reliable

Our platform uses only PSD2-compliant APIs for real-time data retrieval (not screen-scraping) and the banks’ own security layers to safeguard your customers’ security and privacy.

Swift implementation

Our agile implementation method and dedicated support ensures that you go live fast.

Built to scale

Our plug-and-play offering of payments and data features allows you to get the features you want, when you want them.

Intrigued? Let's talk!

Are you benefitting from open banking yet? Transform your business – for you and your customers.
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Neonomics AS is licensed as a Payment Institution (PI), Payment Initiation Service Provider (PISP) and Account Information Service Provider (AISP), issued by the Norwegian Financial Supervisory Authority (Finanstilsynet) passported across the EU.

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