Real-time expense overview

Understand exactly how your applicants are spending their money. Leverage our detailed data to minimise your risk and probability of default.

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Superior accuracy

We go beyond open banking. We enrich data with more than just PSD2 data, giving even further increased accuracy.

91% completion rate

We put our users at the forefront of our application. That's why 91% of applicant's that go through the Monthio flow, complete it. 

Data as you want it

All consolidated data is accessible via our API or through our easy-to-understand dashboard, making it easy for you to make faster and better decisions.

Digitise expenditure verification

Increase the accuracy of your credit decisioning

Enhance your credit decisioning and minimise risk, with Monthio's real-time expense overview. 
With unparalleled insights into your applicants' financial situation, you can make more informed lending decisions and minimise your risk exposure. This can help you identify potential red flags, such as high levels of debt or irregular spending patterns, and adjust your lending terms and rates accordingly. 

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Combine with income data to get the full picture

Arm yourself with a powerful tool to assess applicant financial health by combining real-time expense verification with realtime income verification.

By ensuring that your lending decisions are based on current, accurate and reliable information, you can streamline the consumer experience, improve application conversion and accelerate processing.

Read more about real-time income verification here

A solution for credit providers

Credit card issuing

Get accurate, real-time insights into your applicants' creditworthiness with a 360 overview of categorised expenses.

Consumer loans

Optimise your customer experience by reducing the time and pain of loan applications.

Car financing

Reduce the risk of fraud while reducing the operational costs of offering more loans in less time.

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Talk to one of our experts about expense verification and optimise your loan application process

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