Success for
credit providers

Make better credit decisions, increase accessibility to finance and deliver remarkable customer service with our superior affordability solution. We go further than Open Banking, making digitizing the loan approval journey seamless and loved by applicants. Get started today!
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Dashboard for loan officers to help creditworthiness assessments
Trusted by leading financial providers
Nordea logoJyske bank logo Coop bank logo
Detailed animation of how Monthio uses Open Banking to support banks assess creditworthiness of loan applications

Fairer, faster lending

Traditional credit scoring, paperwork and blanket guidelines slow down the lending process & obstruct deserving applicants from finance.

Monthio allows you to streamline and tailor credit decisioning, making loan applications faster, easier and more accessible.
‍
We're FSA regulated (passported across Europe) and ISO27001 certified.

Simple, seamless lending

1
Select bank
We integrate with all relevant banks, so your applicants can easily share their data with you
Smartphone interface of Step 1) of creditworthiness assessment of loan application
2
Confirm bank
Using Open Banking your applicants can easily share their relevant information. No more paperwork.
Smartphone interface of Step 2 of creditworthiness assessment of loan application. Account is verified
3
Applicant approval
We present your applicants with the relevant enriched data so they can confirm or add needed information
Smartphone interface of Step 3 of creditworthiness assessment of loan application. Applicant approves their financial data
4
‍
Process completed!
In less than 4 intuitive steps you have all the relevant information to accurately assess applicant affordability.
Smartphone interface of Step 4 of creditworthiness assessment of loan application. Process is completed and lender is ready to assess loan application

Credit success looks like this

Graphic of positive graph used to show how using Monthio helps lenders make better credit decisions
Better credit
decisions
Leverage advanced technology and data analysis to gain deeper insights into applicants' financial profiles, resulting in more accurate and informed credit assessments.
Graphic of two forward arrows used to show how using Monthio helps lenders make better faster evaluations of loan applications
Faster
evaluation
Accelerate loan evaluation with Monthio's Open Banking solution. Automate processes, access categorized financial data seamlessly, and reduce evaluation time for quicker decisions with improved accuracy.
Graphic of person or customer used to show how using Monthio helps lenders give better customer service
Superior customer
experience
Elevate customer satisfaction with Monthio's user-friendly platform. Now you can personalize offerings and provide exceptional speedy service, enhancing the overall customer experience.
Credit excellence engineered by bankers

Embrace the Future of Lending

Graphic of a bank used to show how Monthio helps banks make better credit decisions and optimize their loan approval processes
Banks
Graphic of a shopping bag used to show how Monthio helps consumer lenders make better credit decisions and optimize their loan approval processes
Consumer lending
Graphic of a car used to show how Monthio helps auto-finance providers make better credit decisions and optimize their loan approval processes
Car financing
Graphic of a globe used to show how Monthio helps lenders in other industries can make better credit decisions and optimize their loan approval processes
Other industries

Streamline lending, delight applicants

Embrace efficiency, enhance productivity and make faster, more accurate lending decisions. With Monthio you elevate customer satisfaction and save your credit team valuable time.
Read more
A happy young man is satisfied with loan approval process. A smartphone graphic shows his income and spending habits required for loan application.

Faster, more accurate loan approval

With accurate real time creditworthiness data, you can accept more applications, reduce the risk of fraud and default, and grant more suitable loans. All at a fraction of the time and effort it took previously.
Read more
Image of young woman with rainbow credit card and graphic image showing potential financial data Monthio can provide of loan applicants

Transform financing, elevate customer service

Experience heightened accuracy, efficiency, and risk mitigation while minimizing fraud and losses. Revolutionize lending decisions, improve customer experiences, and accelerate your business success with Monthio.
Read more
Graphic showing 'recent property purchase' as part of the financial information required during a loan application

Optimize credit decisions effectively

Whether you offer green loans, property rentals or other services, Monthio is your partner for accurate financial data. By leveraging our solution, you can save time, mitigate risks, and make better credit decisions.
Read more
Graphic showing 4 green tick marks, and one red cross to demonstrate data points during loan approval process and making a credit decision.
Banks

Streamline lending, delight applicants

Embrace efficiency, enhance productivity and make faster, more accurate lending decisions. With Monthio you elevate customer satisfaction and save your credit team valuable time.
Read more
Consumer lending

Faster, more accurate loan approval

With accurate real time creditworthiness data, you can accept more applications, reduce the risk of fraud and default, and grant more suitable loans. All at a fraction of the time and effort it took previously.
Read more
Car financing

Transform financing, elevate customer service

Experience heightened accuracy, efficiency, and risk mitigation while minimizing fraud and losses. Revolutionize lending decisions, improve customer experiences, and accelerate your business success with Monthio.
Read more
Other lenders

Optimize credit decisions effectively

Whether you offer green loans, property rentals or other services, Monthio is your partner for accurate financial data. By leveraging our solution, you can save time, mitigate risks, and make better credit decisions.
Read more
Magnifying glass graphic used by Monthio to depict income verification as part of creditworthiness assessments for banks and other lenders

Income
verification

Bullet pointed list graphic used by Monthio to depict expense verification as part of creditworthiness assessments for banks and other lenders

Expense verification

Graphic of a positive graph used by Monthio to depict risks & insights as part of creditworthiness assessments for banks and other lenders

Risk &
insights

Squares and circles graphic used by Monthio to depict categorisationon as part of creditworthiness assessments for banks and other lenders

Categorization

Graphic of a person used by Monthio to depict account verification as part of creditworthiness assessments for banks and other lenders

Account
verification

Magnifying glass graphic used by Monthio to depict Debt insights as part of creditworthiness assessments for banks and other lenders

Debt
insights

Stronger together

Stand stronger with Monthio's superior tools to assess the financial health of your applicants, by adding real-time income and expense verification to your approval process.

With our wide range of tools for credit providers, you'll be able to digitize your processes and increase efficiency, reduce costs and meet regulatory requirements.

"We are excited to be partnering with Monthio, as we are looking to expand into new segments. By providing our customers direct access to not only insightful KYC checks, but also creditworthiness assessments, we can provide a seamless onboarding flow for leasing companies."

Managing Director at Visma - Jacob Tinsfeldt
Group of colleagues in a bank or other lending team work well together and look at paperwork relating to creditworthiness

"Monthio's solution enables us to process the same amount of loan applications, despite the increased requirements in Denmark. It also gives us deeper applicant insight ensuring more accurate decision making and easier documentation. We see Monthio as an invaluable business resource."

Head of Credit at AL Finans - Jesper Jensen
Man in pink t shirt takes a phone call at desk with laptop and papers as part of loan application

"We are always looking for ways to optimize the customer experience & I was immediately impressed by how much quicker the financing process was from using Monthio. Instead of manually having to provide paperwork and wait hours, if not days for approval, the data we need comes within seconds."

CEO of Varmeo - Peter Veie Gudmand
Young white women on laptop used to depict a happy loan applicant going through the Monthio flow
Ready to get started?
Do you want to find out more about how Monthio can revolutionize your loan approval processes?
Get in touch
Superior Categorization
Our comprehensive categorization accurately identifies
more data in each section than other leading Open
Banking providers.
Banker-designed. Credit approved
We offer more than just cutting edge technology. We are built on deep banking expertise to create a tailored & powerful solution for credit departments.
End users at the forefront
At Monthio, we put the end users the forefront of our product design. That's why 91% of applicants that go through the Monthio process, complete it.

Already benefiting from Open Banking?

At Monthio, we go further than Open Banking. Benchmark Monthio against your current provider and see for yourself!
Request benchmark

Latest from us

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Industry reports
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Modern creditworthiness assessments based on real-time Open Banking data.
info@monthio.com
+45 60 82 88 18 18
Monthio ApS
Øster Allé 56, 2nd
2100 Copenhagen
Denmark
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Monthio (CVR no. 39609525) is supervised by the Danish Financial Supervisory Authority