Trustly CashFlow

Real-time underwriting decisions

Leverage Open Banking data to assess a consumer’s financial health in real-time.

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How it Works 

Assess Financial Health in Real-Time 

Trustly’s proprietary, API-based Open Banking platform pulls real-time transaction data from bank accounts. Our consistent and reliable data allows merchants to inspect spending hygiene, account balance history, NSF risk, and other parameters to simplify the credit application process and make better-informed credit decisions.

Benefits

Faster underwriting assessments

Utilize up-to-date transaction and account data to build a holistic view of financial health and improve decision-making.

Leverage clear and accurate bank-grade data instantly

Build confidence in credit decisions and reduce risk by leveraging reliable data in real-time.

Build a comprehensive view of consumer financial health

Compile an account summary with up to 90 days of transaction data, including average balance, NSF histories, overdraft occurrences, and more.

Optimize application completion rate

Direct connectivity via Open Banking eliminates the need for tedious and time-consuming document collection.

Data compilation and categorization for easy decision-making

Utilize machine learning rules to make sense of retrieved financial data, ensuring accurate credit decisions.

Future-proofed risk profiling

Minimize risk and subsequent cash flow issues by verifying a customer’s account balance history before approving an application.

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Harley Butler

CMO at Shipt

“Nulla massa rhoncus eget sit morbi. Duis accumsan nec et mauris mauris sed sollicitudin enim. Consequat aliquam auctor.”

Harley Butler

CMO at Shipt

“Nulla massa rhoncus eget sit morbi. Duis accumsan nec et mauris mauris sed sollicitudin enim. Consequat aliquam auctor.”

Harley Butler

CMO at Shipt

“Nulla massa rhoncus eget sit morbi. Duis accumsan nec et mauris mauris sed sollicitudin enim. Consequat aliquam auctor.”

Harley Butler

CMO at Shipt

Features

Rolling Timeline

Check 7, 60, and 90 day account balance history to avoid NSF risk.

Multi-Factor Analysis

Assess multiple attributes like cash flow habits and deposit history before making a decision.

Liability Assessment 

Incorporate NSF occurrence count and overdraft amounts into risk-decisioning.

Our Impact 

$42 billion
Total Payments Value
12,000
Connected Banks
650+ million
Consumer Reach
8,300
Merchants

Get started with Trustly 

Contact our payment experts to learn more about what you can build using our Open Banking platform.

Relevant pages and resources

Regulation
Open Banking
Financial Services
Building Momentum: The Path To Open Finance through Open Banking
Open Banking
Payments
Financial Services
eCommerce
Billers
5 Trends That Will Catalyze Pay by Bank Momentum in 2024
Financial Services
Open Banking
Using Open Banking APIs to Improve Business Processes