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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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Open Banking Affordability dashboard

Leaders building with Bud

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Fast, accurate credit decisions require accurate, real-time data.

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Increase applications

Clients with a traditionally prime customer base saw approvals rise 10%, vs clients with thin-file applicants saw approvals rise 60%.

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Reduce default rates

Clients who use Open Banking data have seen their default rates cut by 40-75% when compared to CRA-predicted default rates. 

Credit risk assessments

Efficiency – Open Banking saves an average client 1 hour per application when compared to manually checking bank statements.  Learn how pre-filled forms can help you reach credit decisions in minutes with our Affordability guide

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

User Experience – Open Banking has a 70-80% customer uptake rate when clients deploy it with coherent UX. 

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Credit management

Reduced defaults – Clients using our Assess solution see default rates reduced by 40-75% as a result of using Open Banking data. Reduce your default rates, speed up the credit process, and improve accuracy by pre-populating application fields. 

Better support – Support vulnerable customers with a dashboard that allows advisors and customers to better understand finances and determine solutions. Flags and warnings in our dashboard help customers to take action when their financial situation changes. 

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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”
    Credit Karma Logo
    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
  • “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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    Alastair Douglas
    CEO, TotallyMoney
Resources for Lenders

Assess factsheet

Assess factsheet

Get a complete picture of your customers' finances with Bud's affordability and eligibility solution, Assess.

How-to affordability Guide

Open Banking for Affordability and Credit Risk

How-to guide to get your affordability project off the ground.

BNPL factsheet

Affordability for Buy Now, Pay Later Providers

Solution guide for tightening the onboarding process without compromising the user experience for BNPL providers.

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

Take a look at all of our resources avilable for our APIs. 

API Docs