Delivering better

Adaptive solutions that harness the predictive power
of bank and payment behavior enabled by open banking

DemoData Study
Adaptive solutions that harness the predictive power of bank and payment behavior enabled by open banking
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POWERED BY RIBBIT.ai

DECISION

Reduce fraud and default risk by 30%

  • Consumer Finance ​
  • SMB Finance​
  • Card Applications​
  • Student/Auto Loans​

AUTHORIZE

Improve payment acceptance by 10%

  • ACH / Same-Day ACH​
  • RTP Payments​
  • Bank Transfers​

ONBOARD

Instantly enroll 99% of bank accounts

  • Mobile Wallets ​
  • Fintech Apps​
  • eBanks​
  • Personal Finance​

QUALIFY

Rank order payment and KYC risk

  • Credit Applications​
  • Buy Now, Pay Later ​
  • Lead Screening​

%

Bank account coverage to decision on all accounts instantly

Trended attributes available regardless of bank transactions data provider

%

Lift over traditional credit and underwriting scores
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Deploy the power of AI to streamline and augment your organization’s financial decisions and payments

BankVERIFY+

Instant non-credentialed insights to identify risk and fraud on 99% of bank accounts​

BankLOGIN+

User-consented bank aggregation and predictive decisioning using cash flow history​

BankONBOARD

UX interface to instantly enroll bank accounts with BankVERIFY+ or BankLOGIN+​

BankTRANSACT

Tokenized ACH, Same Day ACH, and RTP (Q4) processing via API or SFTP​

Powered by the worldwide acceptance of open banking 

AIR

Affordability Index by RIBBIT​

Understanding the ability to afford a financial service/product promotes financial wellness and reveals deep insights into trended cash flow and payment behavior.

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Solutions​

BankVERIFY+​

BankLOGIN+​

BankONBOARD​

BankTRANSACT

AIR  | Affordability Index by RIBBIT

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