A single API for digital lenders
The Infact API enables lenders to search, report and manage consumer credit information with a single integration. Our cloud-native platform offers a high-fidelity domain model for modern financial products.
increase the timeliness of data sharing
Real-time reporting
Make better credit decisions using an individual’s live credit balance, increasing responsible lending while safeguarding against vulnerability. Leverage innovative metrics such as trended insights and live credit balance to see reductions in debt levels faster while protection against loan stacking or unaffordable shopping sprees.
adding context to credit decisions
Additional granularity
Infact offers detailed visibility into an individual’s current credit usage, indebtedness and future credit repayment commitments to build a more accurate picture of an individual’s affordability and credit risk.
enhanced technical capabilities
Notifications & flags
Receive timely event-driven notifications when an individuals credit profile changes. Improve decisioning and customer management and deliver better outcomes for your customers by utilising new positive and negative signals.
THIS ALLOWS US TO CREATE PRODUCTS THAT
Improve lending performance
Increase responsible lending while protecting against defaults.
Promote financial
inclusion
Build a more accurate, personalised view of an individual’s creditworthiness.
Adhere to
Consumer Duty
More easily adapt to the changing regulatory environment and assess suitability.
Products
Explore our suite of innovative credit information solutions designed to power the future of responsible lending. Driven by our commitment to fairness, progress, and ambition.
Affordability
Increase responsible lending and optimise your application process with our frictionless, explainable affordability solution that delivers a configurable, personalised estimate on an individual’s income and expenditure.
Credit Risk
Build a more complete, accurate view of an individual’s credit risk by assessing their live credit balance combined with rich contextual credit performance data. See how an individual has built creditworthiness over time through unique insights such as credit mix over time and successfully settled historic accounts.
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