Unfair credit scoring methods, legacy app experiences, and vague pricing techniques are a thing of the past. With open banking, we’re bringing back fairness and equality to the credit industry. Yapily’s technology and open banking expertise are helping to make that vision a reality.
Lend faster and smarter with real-time bank data
Build instant, data-driven lending journeys through a single integration. Onboard customers in seconds, approve with confidence, and reduce credit risk.
23%
of customers accessing credit for the first time
Build smarter, faster decisioning models
Automate onboarding and KYC/KYB
Instantly verify customer identity and account ownership using direct bank data. Cut out slow manual uploads, reduce drop-offs, and speed up onboarding to minutes.
Make faster credit decisions
Lower default rates and lend more responsibly with real-time affordability checks using up-to-the-minute transaction data to build a complete picture of an applicant's financial health.
Increase approval accuracy
Expand your addressable market and increase approval rates without risk by leveraging comprehensive financial data to identify creditworthy customers who might fail traditional scoring models.
Streamline loan repayments
Reduce the costs associated with failed payments and manual collections by making it easier for customers to repay loans on time with seamless account-to-account payments and Variable Recurring Payments (VRPs).
Transform your lending lifecycle from end to end
A single integration to transform your lending process
One integration for data and payments
Access everything you need to onboard, assess, and collect through a single integration. Combine powerful data insights with seamless payment initiation for a complete, end-to-end lending solution.
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Built for business and consumer applications
Our extensive, rigorously tested B2B and B2C account coverage gives you the flexibility to serve lending applications to either businesses or consumers, or both.
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Scale without restrictions
Connect to over 2000 banks and institutions across 19 countries across the UK and Europe, giving you the freedom to scale as your business requires.
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