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Cut your lending cycle from weeks to minutes with Open Banking

Streamline your credit application process and make informed decisions in minutes with Open Banking

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The credit application process is lengthy, costly, and leaves lenders struggling to see an accurate picture of consumers' financial health.


Bud's affordability solution, gives lenders accurate, real-time information boosting decision making and determining affordability in minutes. 


Research shows 80% of applications denied due to lack of information could be accepted without increasing risk appetite

Bud can pre-fill 87% of the fields on the average loan application form

Credit Risk Assessments


Deliver lending decisions in a fraction of the time using our affordability solution to replace the overheads of dealing with bank statements.


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

User Experience

Reduce application time from weeks to minutes for customers, with instant, accurate income and expenditure forms.

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Credit Management

Reduced defaults

Cut default rates by using Bud's credit management solution to prompt early intervention.

Better support

Support vulnerable customers with flags and warnings that indicate changes in users' financial situations.

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Open Banking for Affordability Guide

A guide for digital leaders looking at the business case for Open Banking tech, with first-hand, expert advice on getting your affordability project off the ground.

Our Customers

What our customers are saying about bud

Importantly, the functionality bud provides will also enable us to continue to meet our responsibilities as a responsible lender, without compromising customer experience.
Mike Bullock
Chief Information Officer, ANZ NZ
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.
Ziad Al Baba
General Manager UK and Canada, Credit Karma
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Determine affordability in minutes with Bud

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