Delivering smarter
Adaptive behavioral analytics that harness the
predictive power of open banking and payment data
The Most Powerful and
Easy-to-Use Banking Behavior AI
Easily code to endpoints, test data and connect to Finicity’s open banking platform. Our suite of API’s makes it easy to access the data you need to power your products.
RIBBIT News
CONNECT
Access consumer and business financial analytics by transmitting account information, bank transaction history, or open banking data
INSIGHTS
Generate deep behavioral insights into affordability, income, account stability, and identity, regardless of how your customers provide their bank information
TRANSACT
Transfer funds to-and-from any bank account in the US via ACH, Same Day ACH, Real Time Payments, and checks via tokenized processing
Educate consumer’s regarding their ability to pay and improve their opportunities by providing insights into:
- Trended cash flow
- Payment behavior
- Recurring obligations
- Income analysis
LENDING
Enhance access to financial services with bank behavior and affordability analytics
ONBOARDING
Expedite customer enrollment and instantly decision on 99% of bank accounts
PAYMENTS
Empower bank payments while preventing risky and fraudulent transactions
The Bank Behavior Experts
%
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
Powered by the worldwide acceptance of open banking
AIR | Affordability Index by RIBBIT