Income and expenses
Assessing affordability from paper certificates takes days and does not show how much the customer really spends.
How it works
- Step 01
The customer connects an account
They consent to access their transaction history, usually for the last 12 months.
- Step 02
Fizen categorises transactions
It recognises salary, benefits, instalments, rent, bills and other categories.
- Step 03
You get a report
Income, fixed obligations and free cash, ready for your scoring model.
What you get
- Detection of regular income: salary, benefits, business revenue
- Spending categorisation
- Fixed obligations: instalments, rent, leasing
- Risk signals visible in the account history
- A report in about 30 seconds after consent
- Data via the API, ready for your scoring model
Use cases
Lending and BNPL
Credit decisions based on real income and obligations.
Rentals
Checking whether a tenant can afford the rent, without certificates.
Business financing
A company's revenue and costs calculated from its business account.
Financial advice
A client's budget calculated from transactions, not declarations.
Who it is for
Regulation
We access account history as an AIS provider supervised by the KNF, with the customer's explicit consent and only for the assessment they agreed to. You make the credit decision, following your own procedures and the rules on creditworthiness assessment.
SecurityPricing
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.