## Revolutionising SME Lending with Open Banking Transaction Categorisation

Businesses want funds as soon as possible and lenders want to grant those funds while operating within a fully responsible framework.

But more data alone isn’t enough. For the lending process to be more efficient as well as more accurate, it needs to be categorised. This is where our new open banking enrichment proposition comes in, transforming the SME lending process by offering unparalleled insights through advanced business account transaction categorisation.

## Real-Time Data: The Power of Open Banking

By leveraging open banking technology, our solution provides lenders with real-time access to SME financial data. That means access to at least 12 months of near real-time data, including both current account and credit card transactions. This offers insights into a business's financial health. 

We then automatically categorise transactions so lenders have an easy-to-interpret analysis of how that particular business operates. Transactions are split into 32 incoming transactions and 115 outgoing transactions. No other open banking provider gives lenders this level of granularity, empowering them to make faster and more accurate lending decisions. 

## Enhanced Fraud Prevention

One of the key advantages of our open banking solution is the significant reduction in fraud risk. As data is sourced directly from banks, the authenticity of the financial information is assured. This direct connection eliminates the risk of manipulated or falsified financial statements, providing lenders with a true picture of an SME's financial situation.

## Complementing Existing Data Sources

Lenders have most likely spent time designing their own models and using particular data sources. Working with Yapily, you don’t have to rip everything up and start again. Our transaction categorisation solution enhances your current data sources, rather than  replacing them. By incorporating bank and card information, you can complement your existing data, and if you already receive statements, open banking will help automate your processes and reduce clerical errors.

By integrating seamlessly with your existing decision-making processes, our solution provides an additional layer of insight. This comprehensive approach allows for a more nuanced understanding of an SME's financial behaviour and creditworthiness.

## SME-Focused Expertise

While many open banking solutions focus primarily on consumer data, our competitive edge lies in our deep understanding of the SME market. Our categorisation system is specifically tailored to capture the unique aspects of business transactions, providing insights that are truly relevant to SME lending.

## The Future of SME Lending is Here

Back in 2006 British Mathematician Clive Humby coined the phrase ‘data is the new oil’. Since that day, many businesses have used the quote to demonstrate that data is an unbelievably valuable resource which is essential for running modern companies successfully. 

However, this isn’t quite what Humby meant. Humby’s lesser-quoted point was that data, like oil, needs to be refined to be truly valuable. We designed our open banking enrichment proposition to not just offer more raw data, but refine that data through categorisation, making it instantly usable for SME lenders. By providing real-time, accurate, and fraud-resistant financial data, we're not just improving the lending process – we're revolutionising it.

## Ready to transform your SME lending capabilities?

[Contact us today](https://www.yapily.com/company/get-started "Get Started") to learn more about how our open banking transaction categorization can empower your lending decisions and drive your business forward.


Introducing Data Plus Advanced Business Transaction Categorisation: Elevate Your SME Lending Decisions

## Was ist Datenanreicherung?

Die Datenanreicherung beschreibt die zusätzliche Erkenntnisebene, die Data-Science-Teams normalerweise aus Rohdatensätzen gewinnen würden. Yapily bietet zusätzlich zu [Open Banking Infrastructure](https://yapily.com) Tools zur Datenanreicherung, damit Unternehmen Finanzdaten erschließen und weitere Erkenntnisse gewinnen können, die Unternehmen zur Verbesserung ihrer Produkte und Dienstleistungen nutzen können.

## Wofür kann die Datenanreicherung verwendet werden?

Die Datenanreicherung ermöglicht es Kunden, anspruchsvollere und effektivere Dienste aufzubauen, indem sie umsetzbare Erkenntnisse aus AIS-Rohdaten (https://yapily.com) liefert. Um diese Erkenntnisse zu gewinnen, wären normalerweise kostspielige interne Data Science/Machine-Learning-Funktionen erforderlich. Durch den Verzicht auf diese großen Investitionen in Zeit und Energie können Kunden Risiken getrost mindern und schneller auf den Markt kommen.

Datenanreicherung ist wichtiger denn je. Angesichts der Unsicherheit des letzten Jahres liefern detaillierte Dateneinblicke die wertvolle Analyse, die Unternehmen benötigen, um die Genauigkeit ihrer Finanzentscheidungen zu verbessern.

## Wer braucht Datenanreicherung?

__Kreditfirmen__ treffen ständig Entscheidungen zur Kreditgenehmigung und Risikoüberwachung für verschiedene Unternehmen und Verbraucher, alle mit sehr unterschiedlichen Finanzprofilen. Ohne die Erkenntnisse aus Open Banking Data Enrichment-Diensten kann es viel schwieriger und kostspieliger sein, genaue oder personalisierte Entscheidungen allein auf der Grundlage traditioneller Daten wie Kreditwürdigkeit zu treffen. Klicken Sie hier, um mehr über [Warum Kreditgeber Open Banking brauchen] (https://www.yapily.com/blog/lenders-need-open-banking/) zu lesen.

__Für Wirtschaftsprüfungsgesellschaften__ können identifizierte Finanztrends und Ausgabenmuster dem Kunden präsentiert werden, um ihm zu helfen, seine allgemeine finanzielle Gesundheit oder seinen Cashflow effektiver zu verwalten.

__Kundenbindungs-Apps__ können ihre Empfehlungen an Kunden durch diese leistungsstarken Analysen weiter personalisieren.

__Glücksspiel- und Vermietungs-Referenzunternehmen__ werden es als wichtig erachten zu erkennen, dass aus den Erkenntnissen der Datenanreicherungstools Erschwinglichkeitsprüfungen und Finanzberatung abgeleitet werden können.

## Welche Tools zur Datenanreicherung bietet Yapily?

### 1. Kategorisierung
Identifiziert Transaktionen nach Typ, Händler und Standort - gibt ein vollständiges Bild der Ausgabegewohnheiten und kann verwendet werden, um riskante/sichere Ausgabenkategorien hervorzuheben.

### 2. Saldovorhersage
Prognostiziert Cashflow und Salden basierend auf früheren Salden und zeigt Saldentrends über Konten hinweg. Dies wird verwendet, um zu bestimmen, ob das Guthaben eines Kunden steigen oder sinken wird und ob er mit einer Überziehung rechnen muss.

### 3. Identifikation wiederkehrender Transaktionen
Identifiziert automatisch wiederkehrende Transaktionen wie Rechnungen, Abonnements, regelmäßige und unvorhersehbare Einnahmen und bietet Einblicke in deren Zeitpunkt, Werte, Regelmäßigkeit sowie das nächste vorhergesagte Zahlungsdatum.

### 4. Erschwinglichkeitsbericht
Kombiniert die Ergebnisse der Kategorisierung, der Saldovorhersage und der Identifikation wiederkehrender Transaktionen, um eine Momentaufnahme der finanziellen Gesundheit einer Person oder eines Unternehmens und ihrer Erschwinglichkeit für bestimmte Finanzprodukte zu erstellen.

---

Wenn Sie herausfinden möchten, wie Yapily Ihrem Unternehmen mit Open Banking und Datenanreicherung helfen kann, [kontaktieren Sie uns bitte hier.](https://yapily.com/contact/)

Datenanreicherung im Open Banking

## Backdrop 
A fall in the pound and the expectation of a sharp interest rate hike have resulted in a number of lenders temporarily halting mortgage offers to new borrowers, while other providers are increasing rates on a number of fixed mortgages. 

Economists expect to see interest rates more than double to [5.8%](https://www.bbc.co.uk/news/business-63041679) by April 2023 from current levels of 2.25%. This is 1.8% higher than the originally anticipated rate of 4%. 

Only a year ago, mortgage providers were battling to attract borrowers and it was possible to lock in fixed rates of less than [1%](https://www.theguardian.com/business/2022/sep/22/what-does-the-banks-interest-rate-hike-mean-for-peoples-finances) for 2-5 years. Now, even the most competitive lenders are only offering fixed-rate mortgages to those with large deposits, with prices still reaching [4.5%](https://www.theguardian.com/business/2022/sep/22/what-does-the-banks-interest-rate-hike-mean-for-peoples-finances). First-time buyers are expected to be hit the hardest and could struggle to get a mortgage on [affordability grounds](https://www.ft.com/content/1795e739-6e11-43cd-bf92-d7d2ad0324b2), with a number of lenders pulling out.
### But what does this mean for homeowners and potential buyers? 

__For homeowners:__ The hit to UK households won’t be immediate, with the majority of borrowers now locked into 2-5 year deals. According to the Financial Conduct Authority (FCA), about [74% of mortgages (6.3m) are on a fixed rate](https://www.theguardian.com/business/2022/sep/22/what-does-the-banks-interest-rate-hike-mean-for-peoples-finances), with some homeowners who are lucky to have lengthy remaining terms protected against hikes for the time being. But [600,000 fixed-rate mortgages are due to expire by the end of this year, with a further 1.8 million expiring in 2023](https://www.ft.com/content/1795e739-6e11-43cd-bf92-d7d2ad0324b2). Pantheon Macroeconomics predicts that the average household refinancing of a two-year deal will be looking at a monthly repayment [surge of 70% from £863 to £1490](https://www.ft.com/content/1795e739-6e11-43cd-bf92-d7d2ad0324b2). 

![Mortgage prices hikes](//images.ctfassets.net/3ndxs7efitel/19Ik9ohFFTfqibDnSK8RFa/1dc83872cb82f941d9bb8f1d1af7c865/Mortgage_prices_hikes.png)

Source: [BBC news](https://www.bbc.co.uk/news/business-63046919)

__Buyers:__ Young, first-time buyers may now have to prove that they can afford up to a 7% interest rate hike as a record number of lenders pull out. Those that were looking to move soon may want to reconsider as it’s predicted that prices could fall by as much as 20%. 

__Renters:__ Renters aren’t safe from the market chaos, either. It’s predicted that landlords could pass on rising mortgage costs to renters. This, with the cost of living crisis, is leading to panic across the market. 

## Could open banking help? 
Having been around for just four years, open banking is a relatively new innovation. But, it’s proved to be invaluable in helping consumers and businesses to take control of their finances by sharing financial information that was previously only available to banks. 

Consumers and businesses can now choose third-party providers (TPPs) like budgeting apps, lenders, and personal finance management platforms rather than relying solely on the bank to do what’s best for them. This opening up of data supports consumers and businesses by providing them with enhanced insights and access to fairer financial services that are tailored to their specific needs that enable them to make better-informed decisions. Data enrichment could be the answer 

Account Information Service Providers (AISPs) are one type of TPP that - with consent - collect financial information like account details, balances, and transaction information from banks. An example of an AISP is [Credit Kudos](https://www.creditkudos.com/) who provide businesses with financial information insights to help them make better and more informed lending decisions. With the use of [data enrichment](https://www.yapily.com/blog/data-enrichment-in-open-banking/) they can take this data and refine it to provide actionable insights. [Yapily](http://www.yapily.com) provides data enrichment to give a full picture of spending habits, predict balances, identify recurring transactions and better understand affordability.
### How open banking can help buyers provide access to accurate affordability scores

Data enrichment gives lenders access to a more sympathetic overview of potential buyers. For example: let’s say you had a large, one-off transaction on your statement. Data enrichment would automatically recognise this as a one-off rather than a recurring transaction. The result? Boosted affordability scores. 

Rather than looking at a snapshot of your spending, which may include an unusually large payment or change of employment, open banking offers lenders the chance to make informed decisions based on a more accurate view of your finances. Bonus: open banking ensures banks aren’t limited to their own financial data. Instead, they can view data across all accounts, strengthening the borrower's ability to demonstrate creditworthiness compared to outdated scoring systems. 

In the past (and before looking to access credit like a large loan or mortgage), consumers may have been extremely conscious about avoiding one-off bills or changes of circumstances. Now, with open banking, the data shows a more sympathetic overview. This is particularly useful when trying to negotiate mortgages before another hike, as banks are more likely to lend to those who can clearly demonstrate they can afford increases. 
### Understanding affordability
Affordability is key for lenders. But, when only considering income or a small snapshot of a potential borrower's financial history, it can be difficult to properly understand real affordability. 

Open banking enables lenders to analyse financial data for up to two years, providing a clear and accurate affordability profile. This is particularly relevant for first-time buyers who have to prove that they’ll be able to meet mortgage repayments, even  if interest rates hit 7%. This also protects borrowers from default, ensuring they are only lent what they can afford rather than an amount based solely on income. 
### Proactive conversations to support borrowers and avoid default 
With open banking, access to data is automated. Consumers are just required to [re-consent to the connection](https://www.yapily.com/blog/90-day-reauthentication-changes/) every 180 days. This seamless flow of data enables mortgage providers to see when large, unexpected bills are paid and understand how affordability changes over time. Equally, if there is a boost in income, this will increase lender confidence. 

The benefit for both lenders and borrowers is that parameters can be set up to trigger alerts that can lead to proactive discussions, rather than waiting for borrowers to fall behind on their payments before taking action. This is particularly important for lenders on a variable rate mortgage who may struggle to meet increasing payments. Lenders can champion their customers, and provide assistance or recommend financial products that can offer support when needed. 

### Technology to support landlords in navigating an uncertain landscape 
Banks can utilise open banking to ensure they're lending sustainably across all accounts. Beyond this, there are also other solutions on the market to support landlords as they navigate their way through this period of uncertainty. 

[Arthur](https://www.arthuronline.co.uk/), for example, is an award-winning property management software platform. Yapily enables them to digitise the tenancy journey and reduce the manual headache of rent payment reconciliation through open banking. The lettings sector is notoriously slow at reacting to changes in consumer behaviour, which now more than ever poses a risk. 

Arthur brings everything to one easy-to-use platform, simplifying operational processes to establish a fully integrated infrastructure around which businesses can improve their service offering and scale sustainably. Property managers can confidently manage and streamline their business’ financial management with Arthur’s powerful financial module, combined with an integrated live bank feed, and intuitive reporting functionality powered by [Yapily Data](https://www.yapily.com/open-banking-financial-data/), to ensure that their operation can swiftly generate the data and actionable insight they need.
## To recap…
Both lenders and borrowers will benefit from access to data insights and a proactive approach to managing consumer relations. Open banking can’t solve the uncertainty around soaring interest rates, __but it can help provide clarity on other aspects such as affordability__.
### … for lenders
The cost of lending is increasing, which in turn reduces the appetite for risk. Banks will be more careful of who they lend to, and may require upfront fees or higher deposits to offer fixed-rate mortgages. 

Open banking data helps lenders find the best deal for consumers while building a clear financial profile and understanding creditworthiness based on real-time up-to-date data. Lenders will benefit from making more informed decisions that are no longer based on a limited snapshot, providing confidence in who they are doing business with. 
### … for borrowers
It’s a tough market for borrowers. With bills increasing across the board, there’s significant pressure on consumers to meet their financial obligations. 

Open banking empowers consumers to own their financial data and gain access to the support they need. Personal finance management tools like [Emma](https://emma-app.com/), allow consumers to connect their accounts and gain actionable insights including where they may be overspending on certain bills. By demonstrating positive financial behaviour, consumers are more likely to have access to better rates when searching for a new mortgage or renegotiating an existing agreement. 

Can open banking support mortgage providers and borrowers? 

how open banking can provide much-needed support.


## The problem

[Lenders](https://www.yapily.com/open-banking/lending/) relying on outdated credit scoring systems and archaic affordability assessments risk leaving millions of people without access to the right financial products, without acknowledging an individual's financial behaviour. Thin-file customers often have to turn to a solution that costs them significantly more in fees during the process, forcing them into more financial uncertainty and debt.

## The solution: [Yapily Data](https://www.yapily.com/open-banking-financial-data/)
By partnering with Yapily, Salad Money can now access real-time financial data. Salad Money can retrieve and analyse up to two years' worth of transactional data to provide NHS and public sector workers with an automatic review of their benefit and credit entitlement.

By accessing an individual's actual financial status, rather than incomplete credit scoring data - Salad Money can better serve a larger proportion of consumers. Consumers can also better understand their entitlements and improve their financial well-being for good.

> “By utilising Yapily’s open banking infrastructure, we’ve been able to gain access to accurate, real-time account data which has been instrumental in improving the financial wellbeing of NHS and public sector workers, identifying a potential £979,000 in unclaimed benefits so far.” - Tim Rooney, CEO, Salad Money 

## The impact
- The ability to identify a potential £979,000 in unclaimed benefits so far
- Provided benefit insight to over 26,000 applicants, informing them of the benefits they may be eligible for
- Over £20 million lent to over 19,000 individuals to help better manage their debt


60-second success story: Salad Money + Yapily

Discover how Yapily helped Salad Money improve the financial wellbeing of customers with access to real-time data powered by open banking 

Securing finance remains the biggest challenge for SMEs as the cost of borrowing is expected to increase. Research reveals that small businesses spend [24 hours on average ](https://www.hbs.edu/ris/Publication%20Files/17-042_30393d52-3c61-41cb-a78a-ebbe3e040e55.pdf)researching and submitting credit applications - despite facing a discouraging [80% rejection rate](https://www.fundingcircle.com/us/resources/business-loan-application-rejection-reasons/).

Although SMEs have a combined turnover of £2.6 trillion, lenders have been reluctant to grant them credit as they’re considered too high-risk. This reluctance has been embedded in a lending process that remains unchanged for decades - leaving lucrative opportunities on the table for lenders.

## Multi-billion pound finance gap

SMEs' ability to fuel economic growth makes them one of the most profitable contributors to commercial lending revenue. Yet, the lending process many providers rely on still hasn't been attuned to SMEs' potential - rejecting almost [100,000 applications](https://www.thegazette.co.uk/all-notices/content/100897) every year.

For hundreds of thousands of SMEs, a £22bn finance gap still exists that challenges their growth and survival. Lenders have an opportunity to bridge this gap and make access to credit fairer - starting with rethinking their business-lending model.

SMEs are by no means a uniform customer base but rather an eclectic mix of businesses with unique challenges. Treating SMEs like corporate customers or offering one-size-fits-all lending solutions means the multi-billion pound funding gap is only expected to widen. 

## Missed opportunities for the economy 

Over five million SMEs exist in the UK, accounting for 61% of employment and 52% of turnover in the UK private sector. Unrestrained from outdated strategies and legacy systems, they are the true innovators rethinking entire industries.

Fairer access to SME finance would have a significant positive impact on the economy - both financially and socially. Small businesses, in particular, help local communities thrive. Whereas startups are fundamental to job creation and shaping a sustainable future. 

The demand for accessible finance has given rise to fintechs entering the space with innovative lending models. These revolutionary lenders are taking a personalised approach, powered by the ultimate enabler in modern financial services: open banking.

## Lending reimagined with open banking

Before open banking, lenders depended on paper documents such as bank statements, proof of identity, tax return statements, and business expenses to make risk assessments. Open banking has streamlined this process, making credit assessments more informed than ever before.

By leveraging open banking, lenders can access reliable financial information pulled directly from the SMEs bank account through a secure, single API. Considering [99% of SMEs](https://www.moodysanalytics.com/articles/2021/open-banking-real-time-analytics-for-small-and-medium-sized-enterprises) use one bank provider, it's a rich source of data to quickly assess their true creditworthiness and personalise loans specifically to their circumstances.

Although, the potential for lenders using open banking doesn’t end there.

Access to SMEs financial data enables lenders to monitor the ongoing affordability of repayments, reducing the likelihood of nonperforming loans. Moreover, SMEs can initiate payments straight from their bank account by pre-populating account details and invoice reference numbers. This means less delay in receiving payments for lenders.

## The future of SME lending is open

In essence, lenders who leverage open banking to reimagine their lending processes will increase profitability and decrease risk. In doing so, they’ll offer fairer and more accessible credit products for SMEs. 

For SMEs themselves, it provides more prosperous businesses access to funding, inevitably strengthening the economy. Open banking enabled risk assessments also prevent businesses from borrowing funds they can’t afford to service, decreasing the number of non-performing loans and boosting lender profitability in the long run. 

With Covid-19 putting immense pressure on businesses and forcing millions into difficult financial positions, sustainable and effective lending is needed to kickstart the economy. Open banking is the way forward. 


How lenders can leverage open banking to close the SME finance gap 

Die Kreditwirtschaft ist in vielen Sektoren der Schlüssel zu Wachstum und Unterstützung. Es gibt jedoch viele Ineffizienzen im Prozess für Kreditgeber und ihre Kunden. Die Innovation und Erforschung von [Open Banking-Konnektivität] (https://yapily.com) wird die Verfügbarkeit und Erleichterung von Krediten verbessern.

## Was ist falsch an den aktuellen Kreditvergabeprozessen?

Als Verbraucher oder Unternehmen kann die Beantragung eines Kredits oder Kredits zeitaufwändig und schwierig sein. Bei der Beantragung einer Hypothek oder eines Kredits kann das Ausdrucken von Kontoauszügen und das Warten auf die Entscheidung der Bank frustrierend sein und der manuelle Aufwand, der Teil des Prozesses bleibt, kann diesen erheblich verlangsamen.

Ein weiteres Problem in der Kreditbranche ist die Verwendung traditioneller Datenquellen wie Kredit-Scores, die es den Kreditgebern erschwert, Antragsteller genau zu beurteilen. Kreditgeber sind auch auf die Daten angewiesen, die der Verbraucher über Online-Formulare bereitstellt. Daher sind Kreditgeber nicht in der Lage, Antragstellern das richtige oder effektivste Finanzprodukt für ihre Situation bereitzustellen.

Eine Studie von uSwitch ergab, dass der Anteil derer, die abgelehnt oder schlechter angeboten wurden, bei den 18- bis 34-Jährigen bis zu 57 % beträgt. Ganz zu schweigen von den Unternehmen, in der aktuellen Wirtschaft besteht die anhaltende Angst, dass viele Unternehmen ohne Unterstützung gezwungen sein werden, zu schließen.

## Wie könnten Kreditgeber Open Banking heute nutzen?

__AIS - Kontoinformationsdienste können verwendet werden, um Kreditgeber mit den Finanzdaten von Kunden zu verknüpfen, die bei Banken gespeichert sind.__

Die Verwendung von AIS würde es Kunden ermöglichen, Kreditgebern über [Open Banking APIs] (https://yapily.com) die Zustimmung zum Zugriff auf Finanzinformationen direkt vom Konto der Banken zu erteilen. Der Zugriff auf personenbezogene Daten, Ausgabegewohnheiten und Transaktionsdaten für jeden einzelnen Kunden würde es Kreditgebern ermöglichen, Kredite speziell auf jede Person oder jedes Unternehmen zuzuschneiden.

In einigen Fällen könnten Kreditentscheidungen basierend auf den Daten, die über Open Banking ausgetauscht werden, automatisiert werden. Wobei [Datenanreicherung](https://www.yapily.com/blog/data-enrichment-in-open-banking/) oder Kategorisierung eine einfachere Erschwinglichkeitsbewertung und Finanzprofilerstellung ermöglichen würde. Kreditgeber wären nicht mehr gezwungen, Entscheidungen auf der Grundlage verallgemeinerter oder veralteter Datensätze zu treffen, sondern auf genauen Echtzeitdaten.

Open-Banking-Verbindungen sind auch für Kreditgeber äußerst hilfreich, die diejenigen mit dünnen Kreditdateien bewerten möchten. Dies ist teilweise darauf zurückzuführen, dass einige 18- bis 34-Jährige noch nie einen Kredit, eine Kreditkarte, eine Hypothek usw. erhalten haben, sodass es für sie schwierig wäre, für einen Kredit zugelassen zu werden. Die Verwendung von Open Banking würde es Kreditgebern ermöglichen, auf die verfügbaren Finanzdaten von Einzelpersonen mit dünnen Kreditdateien zuzugreifen, wodurch sie jeden Antragsteller effektiver beurteilen können. Dies könnte Kredite für diejenigen eröffnen, denen zuvor aufgrund ihrer mangelnden Kreditwürdigkeit möglicherweise kein Kredit gewährt wurde.

__PIS - Zahlungsauslösedienste können verwendet werden, um Gebühren für Zahlungen zu senken und die Geschwindigkeit erheblich zu erhöhen.__

Kreditgeber akzeptieren überwiegend Kartenzahlungen und Lastschriften, wenn Verbraucher ihre Schulden begleichen, die natürlich mit einer Transaktionsgebühr für jede Zahlung verbunden sind. Open-Banking-Zahlungen könnten viel niedrigere Transaktionsgebühren bieten, was den Gesamtbetrag reduzieren würde, den Kreditgeber beim Erhalt von Rückzahlungen zahlen. Diese Kosteneinsparungen könnten in innovative Kreditoptionen reinvestiert werden, die die Auswahl der Verbraucher erhöhen und die Effizienz des Kreditvergabeprozesses steigern.

Das Sparen von Gebühren ist jedoch nicht der einzige Vorteil. Die Transaktionsgeschwindigkeit ist ein weiterer Vorteil von Open Banking-Zahlungen. Ohne Zwischenhändler oder Kartenzahlungsanbieter sind [Open Banking-Zahlungen] (https://yapily.com/solutions/payments) Bank-zu-Bank-Zahlungen, d. h. es gibt keine Verzögerung beim Zahlungseingang und könnte den Abstimmungsprozess dramatisch verbessern. Dies würde es den Kreditgebern ermöglichen, die Bücher effizienter auszugleichen, die Verbraucher müssten nicht warten, bis das Geld ausgeglichen oder auf ihrem Konto angezeigt wird, dies könnte sofort passieren.

Um mehr über Open Banking-Zahlungen und deren Vorteile für verschiedene Branchen zu erfahren, [laden Sie hier unser kostenloses E-Book für Zahlungen herunter.](https://yapily.com/payments-ebook)

Zusammenfassend lässt sich sagen, dass Kreditgeber, die Open Banking effektiv nutzen, nicht nur die Rentabilität steigern und das Risiko verringern, sondern ihren Kunden auch fairere und genauere Finanzprodukte anbieten. Da Covid-19 Unternehmen zerstört und Millionen in schwierige finanzielle Lagen zwingt, wird man sich auf eine nachhaltige und effektive Kreditvergabe verlassen, um die Wirtschaft anzukurbeln. Open Banking ist der Schlüssel zur Ermöglichung der Innovation, die in der Kreditbranche erforderlich ist.


Warum Kreditgeber Open Banking brauchen

The lending industry is under immense pressure and Open Banking could provide a well needed shake up. Making financial data available for lenders to make better lending decisions and use Open Banking payments to reduce their costs.

Learn more about open banking, explore use cases, and stay up-to-date on industry and company news...all in one place

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