The categorisation engine for the modern lender

Your customers make lending decisions in real-time, can you?

Respond to the rising demand for instant credit with Australia’s most powerful categorisation engine. Leverage over 240+ categories, including 20+ bank expense categories to conduct an accurate assessment of your customer’s risk and financial profile.

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The categorisation engine for the modern lender

Your customers make lending decisions in real-time, can you?

Respond to the rising demand for instant credit with Australia’s most powerful categorisation engine. Leverage over 240+ categories, including 20+ bank expense categories to conduct an accurate assessment of your customer’s risk and financial profile.

LEARN MORE

Here’s what you can do with compliance level accuracy

  • Save time: Approve more loans, in less time with higher confidence

  • Save costs: Replace manual assessment with advanced machine-learning algorithms

  • Tag RG209 adjustable spending: Identify spending behaviours that could help reduce your customer’s current expenditure and increase their ability to make loan repayments

  • Tag RG209 client enquiries: Identify higher risk or credit activities which may require further enquiry

See our Lending API in action

Here’s what you can do with compliance level accuracy

  • Save time: Approve more loans, in less time with higher confidence

  • Save costs: Replace manual assessment with advanced machine-learning algorithms

  • Tag RG209 adjustable spending: Identify spending behaviours that could help reduce your customer’s current expenditure and increase their ability to make loan repayments

  • Tag RG209 client enquiries: Identify higher risk or credit activities which may require further enquiry

See our Lending API in action

FINCHXP MACHINE LEARNING PLATFORM

Market leading accuracy

with Service Level guarantees

240+ categories

including 20+ bank categories (fees, transfers)

Platform agnostic

we handle bank, card or aggregated data sources

Secure platform

Sydney-based servers using ISO-27001 services

Ready to take our Lending API for a spin?

Here’s what you’ll get:

  • Free plan to get started with 100 end-users

  • Real-time speeds of up to 2 seconds for 100 transactions

  • 240+ categories for the modern, digital economy

  • RG 209 guidelines enabled to identify adjustable and higher risk activities

  • Service-level accuracy guarantee

  • API support for CSV, JSON, ORC, Apache Parquet and Avro formats

  • Data channel support for bank-direct, Open Banking or via data aggregators: Basiq, Moneytree, Proviso, and Yodlee

  • JWT authentication signed using cryptographically secure Client ID/ Secret Key, 3600 sec valid Tokens via HTTPs only

Create account

Ready to take our Lending API for a spin?

Here’s what you’ll get:

  • Free plan to get started with 100 end-users

  • Real-time speeds of up to 2 seconds for 100 transactions

  • 240+ categories for the modern, digital economy

  • RG 209 guidelines enabled to identify adjustable and higher risk activities

  • Service-level accuracy guarantee

  • API support for CSV, JSON, ORC, Apache Parquet and Avro formats

  • Data channel support for bank-direct, Open Banking or via data aggregators: Basiq, Moneytree, Proviso, and Yodlee

  • JWT authentication signed using cryptographically secure Client ID/ Secret Key, 3600 sec valid Tokens via HTTPs only

Create account