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Railz

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Partners

Railz

The Railz API: Building a Future of Data-Powered Finance

Key Benefits

  • Real-Time Financial Analytics at Your Fingertips. Railz offers real-time SMB financial data and analytics for informed investment decisions. With accurate data, financial institutions can assess creditworthiness and provide valuable services to SMB clients, using accurate, up-to-date data.
  • Transform your Financial Analysis with Streamlined Efficiency. Railz streamlines SMB financial analysis for efficient data collection, underwriting, and product launches. It saves time, reduces errors, and offers clients a seamless experience.

“Our bank partners love that we have access to real-time accounting data. That was huge in getting a credit facility.”

ZACH JOHNSON, FOUNDER & CEO AT DASH.FI

The Future of Finance Needs Access to Financial Data

Railz: Revolutionize financial services with the largest financial data network in the world.

Railz solves challenges faced by financial institutions in obtaining high-quality financial data for SMBs. We provide one access point for normalized SMB financial data, collected from multiple sources including accounting, banking, tax, and commerce. Railz offers unique features and tools including Railz Credit Score™, Railz Accounting Accuracy Score (RaaS™), cash flow forecasting, benchmarking, and real-time analytics visualization. We help FIs make fast and calculated decisions in lending, business financial management, payment reconciliation, and insurance. Railz normalization process ensures that data is organized, standardized, and up-to-date, making it easy for FIs to safely make informed decisions.

Resources

About Railz

  • Services

    • Railz API: connects to all major accounting service providers like QuickBooks, Netsuite, Xero, Banking via Plaid, and E-Commerce such as Shopify & Square.
    • Lending: optimize credit approval and monitoring process and streamline loan origination and servicing.
    • Valuation and Forecasting: business valuations, cash flow forecasting.
    • Railz Credit Score™: A modern business credit score
    • Accounting Accuracy: Railz accounting accuracy Score (RaaS™) measures accuracy of accounting data when overlaid with banking data.
    • Benchmarking: Financial ratios by market, geography, age of business
    • Railz Normalization: Makes sense of messy financial data across commercial customers in real-time.
    • Railz Dashboard™: Configurable dashboard that provides highlights and insights to build customized dashboards.
    • Railz Visualization SDK: a collection of standardized web components to build customized financial dashboards and develop the next-gen of embedded finance products.
    • E-commerce Integration: integration with Shopify and Square: Pull e-commerce data directly into your application to help reconcile and keep financial records up to date.

  • Regions Supported

    • North America

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Brankas

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Partners

Brankas

Brankas – Leading Open Finance Technology Leader

Key Benefits

  • Instant Multi-Bank Integrations with Brankas Data APIs. Let users connect their bank account to your platform, giving them faster access to their data and a better experience.
  • Capture Data Intelligently and Interpret it Faster. With quicker access to reliable data, you can personalize your customer’s experience depending on their wants and needs.

“Our partnership with Brankas allows us to help clinics in Indonesia finally move into a digital future that can make healthcare easier and more available for everyone. We are excited for the future of healthcare.”

OGY WINENRIANDHIKA, CO-FOUNDER & CEO AT KLINIKGO

Brankas – Leading Open Finance Technology Leader

Brankas helps businesses unlock modern financial services with market-leading technology. We have the largest network of bank APIs in Southeast Asia. We are also the only company invested in both API aggregation, which helps online businesses connect digitally to banks, as well as financial and payment infrastructure, which help banks and financial institutions monetize their banking platforms.

Resources

  • Visa Card Data Product

About Brankas

  • Services

    Account Opening

    Open Core

    Open Finance Suite

    Merchant Link

    Brankas Direct

    Brankas Disburse

    Brankas Bank Data

  • Profiles and Scores

    Life-centric profile

    Financial health profile

    Life-centric credit score

    Other risk scores

  • Custom Solutions

    Score card development

    Model development

    Design AI strategies and roadmaps for and with boards and management

    Education and training on AI for co-workers

  • Countries/Regions Supported

    Indonesia

    Philippines

    Vietnam

    Thailand

    Malaysia

    Bangladesh

    EMEA

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Monto

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Partners

Monto

SME Lending Powered by Real-Time Financial Data

Key Benefits

  • Better data. Better credit decisions. Monto’s API provides a detailed, real-time view of SME business performance. We collect, standardize and visualize data from leading accounting providers to help lenders make faster and more accurate credit decisions.
  • Enhance your processes while improving the user experience. With Monto, lenders can easily authenticate borrowers and start working with high-quality data. Depending on your specific needs, our connectivity can make everything from data collection and onboarding to loan underwriting more efficient.

“The process of sharing financials is very easy with Monto. Our applicants can grant access to their accounting software in seconds.”

FLOAT LENDING

Your Single Access Point to SME Financial Data

Monto is a Stockholm-based fintech that helps Nordic SME lenders harness the power of real-time data. We combine smart tech and deep industry know-how to help fintechs, banks, lending brokers and BaaS platforms make better credit decisions, streamline processes and improve the customer experience.

With Monto, lenders no longer have to rely on manual, dated or mediocre data sources in their credit reviews. Our API unlocks instant access to up-to-date income statements, ledger quality, financial ratios, and more, fetched from leading accounting software providers in Sweden. We also provide a visual interface that allows credit teams to gain a comprehensive financial understanding of their connected borrowers. 

Our platform is tech agnostic and available for a free trial.

Resources

About Monto

  • Services

    Monto API. Seamless API connections to accounting software makes access to real-time financial data smooth, safe, and tailored to credit teams’ needs. Get full details on everything from rolling income statements to ROI and profit margins.

    Standardized data. We categorize and standardize relevant financial data, allowing your team to access high-quality information and make better credit assessments. This helps you eliminate tedious and time-consuming manual data collection.

    Visual interface. Get a comprehensive view of your customers’ financial situation in a single interface to enhance your credit decisions. We cover many of the key metrics and KPIs that drive a customer’s financial performance.

    Easy onboarding. Monto’s pre-built authentication flow enables you to onboard new and existing customers in seconds. Your SME customers simply have to grant access to their financial data, and connect to their accounting provider.

    Extensive coverage. Monto’s accounting integrations cover an estimated 95% of the SMEs in Sweden that use cloud-based accounting. Our future roadmap includes the other Nordic countries.

  • Countries Supported

    • Sweden
    • Norway

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WISE AI

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Partners

WISE AI

WISE EKYC – an AI-Powered Identity Verification Solution

Key Benefits

  • Instant identify verification and authentication in under three minutes. Transform identity verification with WISE EKYC, an AI-powered technology that delivers a fast and seamless customer experience. Say goodbye to time-consuming and manual onboarding. Experience effortless identity verification in under three minutes.
  • Lower cost with enhanced security. With WISE EKYC, companies can achieve lower costs and enhanced security in their onboarding processes by eliminating human verification costs, while AI can provide a more secure solution. Say goodbye to expensive manual processes – choose eKYC for a cost-effective and secure solution.

“We have no doubts about WISE AI, and we encourage industry players to explore what WISE AI can offer to their ecosystem.”

RICHARD KER, HEAD OF INNOVATION & INDUSTRY DEVELOPMENT AT CYBERVIEW SDN BHD

Empowered Organizations with AI-Powered Identity Service

  • Expertise with proven business use cases in Financial Institutions, Fintech, Government Services, Education, Certificate Authority and many more
  • Technology house with the ability to localize the technology and the processes to meet the regulations and policy needs
  • Technology is verified and tested by NIST from US, National Institute of Standards and Technology
  • The solutions comply with the regulations and policies under the central bank of Indonesia and Malaysia
  • Covering over 190 countries, national IDs and Passport

Resources

About WISE AI

  • Services

    • WISE EKYC
    • WISE ID Document OCR
    • WISE Liveness
    • WISE ID Fraud
    • WISE Face Compare

  • Regions Supported

    • APAC
    • Malaysia
    • Indonesia

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Data on Demand

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Partners

Data on Demand

ID.VU – Personal Data to Identify Vulnerable Consumers

Key Benefits

  • Identify Vulnerable Consumers to Meet Regulatory Requirements. The FCA published four key drivers of vulnerability and has defined the characteristics of a vulnerable person. ID.VU maps back those characteristics to score individual consumers as Highly Vulnerable, Currently Vulnerable or with Historic Vulnerability.
  • Identify Vulnerable Consumers to Lower Your Credit Risk and Create Better Outcomes. The solution allows businesses to identify and manage credit risk, prevent over-indebtedness, provide help to the customers most at risk of harm and meet their obligations to the regulators.

Identification. Verification. Communication.

Data On Demand builds consumer data products and solutions for service providers and end-users. We help organizations improve their understanding of their customers to enable better consumer outcomes.

We are well established as a provider of alternative data solutions to consumer debt collection companies in the UK who use our FIN.TRACE and RES.ID solutions. We provide 4.ID to global organisations who operate identity verification services for businesses with UK consumers.

Our ID.VU solution was created in July 2020 as a response to the pandemic and the changes in regulatory requirements for firms to identify vulnerable customers.

Resources

About Data on Demand

  • Services

    ID.VU – uses data from high-cost, short-term loan applications and the Vulnerability Registration Service to identify financially stressed individuals.

    4.ID – aggregates over 73 million individual data records to help users improve customer onboarding and fraud.

  • Countries Supported

    United Kingdom

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APLYiD

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Partners

APLYiD

World-Class 30 Second KYC Through Biometric AML Checks

Key Benefits

  • KYC & AML verification software. Taking KYC to new levels with Face Match, Liveness and OCR of 16,000 global government documents. Reduce your fraud and customer drop off with the world’s most reliable biometric technology.
  • UK’s broadest coverage of consumer data. Supercharge your verification rates with the largest data of consumers in the UK.

“Since implementing APLYiD solution we’re now seeing a 35% uplift of customers moving through our onboarding process.”

MARK BALICH, HEAD OF PRODUCT AT LATITUDE FINANCIAL SERVICES

AML and KYC: Building the Best Customer Experience

APLYiD brings to the market, the fastest, most reliable, trusted biometric technology to verify your customers identity for AML compliance. APLYiD specializes in advanced biometric ID verification technology. Our SaaS solution provides a simple, superfast biometric ID match and check service that complies with regulatory legislations in every country in the world.

About APLYiD

  • Services

    Face Matching

    Liveness

    AML Checks

    PEP & Sanctions Checks

  • Regions Supported

    United Kingdom

    Australia

    New Zealand

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Tartan

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Partners

Tartan

Real-Time Income, Employment Verification of End Users

Key Benefits

  • Making Income and Employment Verification Seamless. Using income and employment data, lenders know more about their users and club with other data sources to develop a holistic credit profile. Get 60+ data points in a standardized format from the HRMS system.
  • Ten times reduction rate in end user journey TAT. Make use of multiple data points to pre-fill the end-user journey, which means less time spent by end users to input details without uploading numerous documents—leading to fewer user drop-offs and a seamless onboarding journey.

“Working with TartanHQ has helped us fetch and verify end users’ income and employment data in real time, making our underwriting model quicker and enabling better decisions.”

ASHWIN, PRODUCT LEAD, M2P

One-Click Access to Work Data From the Source-of-Truth

With Tartan’s payroll and workforce connectivity and digital identity APIs, we are making the process of employment and income verification seamless and credible using technology.

We enable businesses like digital banks, lenders, insurance, upskilling, tax platforms, and marketers to create and distribute products efficiently by partnering with HRMS, HRIS, work platforms, and payroll service providers.

We truly believe in financial inclusion for all and solve for multiple categories across salaried, freelance and gig workers. With the help our payroll APIs, our customers are able to target new segments, reach broader geographies and enter new markets.

About Tartan

  • Services

    • Payroll pull
    • Payslip OCR
    • Work history verification
    • Identity verification
    • Utility verification
    • Vehicle verification
    • Financial Verification

  • Countries Supported

    • India

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Smile API

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Partners

Smile API

One Trusted Source for Employment Data in Asia

Key Benefits

  • Access to Employment Data through one API. Smile API provides user-authorized access to recent, comprehensive, verified employment data that is accessible in real-time from employment documents, HR and payroll systems, gig economy platforms, and social security systems through a Singe API.
  • Make better credit decisions, increase conversion, reduce risk. Unlike traditional sources of credit data like credit scores, blacklists or submitted documents, we provide greater coverage, real-time access, and the most recent, comprehensive, identity and employment data that is available in the market today.

Smile Provides Employment Data Across Platforms and Employers, all Through a Single API

We are building infrastructure for alternative credit data by allowing borrowers to easily share their employment and income information to lenders. We aggregate and unlock previously siloed employment and income data coming from employment documents, HR and payroll systems, gig economy platforms, and government systems. Everything is done in real-time and with their consent. 

Resources

About Smile API

  • Services

    • Capture and verify a user’s identity including their name and contact information
    • Capture and verify income and employment data in seconds. Retrieve them straight form the source, as well as receive other historical employment data included in their file.
    • Get access to other alternative credit data points to better assess your user’s credit worthiness such as their gig transaction data, performance ratings, insurance contributions and outstanding liabilities.
    • Automatically capture of data from scanned or photographed employment documents

  • Countries Supported

    • Philippines
    • Indonesia
    • Singapore

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