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Reach credit decisions in minutes with Open banking

Businesses use Bud to provide fast, accurate affordability assessments based on enriched, real-time data about applicants. 

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Leaders building with Bud

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Less Risk. More applications. Stronger decision modeling.

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Faster onboarding flows

Improve onboarding times by as much as 87% by pre-filling application forms with Open Banking data.

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Reduce defaults

Open Banking data cuts default rates by 40-75% when compared to CRA-predicted default rates.

Credit Risk Assessments

Fast response times – Deliver credit decisions in minutes. 98% of our users can Connect their accounts in under 40 seconds.

Accurate information – Bud's Assess product allows clients to eliminate inconsistencies associated with manual data entry with >90% of affordability fields automatically filled.  

Reduce Risk – Reduce your risk profile with up-to-date financial summaries and valuable insights like income stability and gambling spending. 

 

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Income Finder

Speedy income verification for lending – We offer clients a fast, cost-efficient and more accurate way to identify income sources, including non-traditional and gig economy income streams. Income Finder can identify a wide range of income types, including salaries, benefits, pensions and irregular wages.

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Collections & Credit Management

Build engagement with customers – Bud's Assess solution is flexible enough to satisfy clients' needs, whether they need just a PDF overview of an applicant's affordability criteria, or want to fully integrate smart transaction data into their processes. Our average solution deployment time is within 4 weeks of signature.

Reduce defaults and improve support – Get insights into customer circumstances before a default occurs, such as early detection of high-risk activities, timely loan repayments, and income fluctuations.


 

 

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How it works

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How it works

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Beyond Open Banking Report

350,000 loans have been made to people with masked credit files including 80,000 mortgages. To learn more, download the report.

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Our customers

What our customers are saying about Bud

  • “Our new partnership with Bud marks a significant step forward in our campaign for greater transparency, providing us with a wealth of insight that gives customers more power over their financial future”
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    Ziad Al Baba
    General Manager UK and Canada, Credit Karma
  • “Importantly, the functionality Bud provides will also enable us to continue to meet our responsibilities as a responsible lender, without compromising customer experience.”
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    Mike Bullock
    Chief Information Officer, ANZ NZ
  • “Partnering with Bud will empower our customers, by ensuring that their data works even better in their favour, helping them move their finances forward.”
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    Alastair Douglas
    CEO, TotallyMoney

Download the guide to get your Affordability project in motion

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Ready to get started?

Explore Bud's platform through our resources or contact our team to learn more. 

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Developers

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API Docs

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