Lending and BNPL: income and account history in 30 seconds
Income certificates and PDF statements delay decisions by days, and some applications are fraud attempts.
What you do with Fizen
- Verify the customer's identity and account through their bank
- Calculate income, fixed obligations and free cash from account history
- Pay out loans and collect instalments by bank transfer
Example
30 s
from customer consent to the income and expense report
The customer connects an account during the application, and you get a report ready for your scoring model.
Income and expensesFrequently asked questions
Does account data replace credit bureaus?
No. It complements them by showing real income and spending. Your obligations around creditworthiness assessment and credit bureaus do not change.
Can the customer refuse?
Yes. Consent is voluntary and the customer chooses the accounts. You can offer another route, for example documents.
Try Fizen on your own data
We set up business accounts and API keys after a short conversation: tell us what you do and we reply within one business day. For yourself, you can start right away.