Risk & Insights

Gain direct insights into potential risks related to your applicants' consumption. Their data is categorised, cleansed and real-time, helping you to make better credit decisions.

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Unparalleled accuracy

Widen the pool of good applicants and increase conversion. At the same time decrease the costs that normally occur from acquisition, the application process and defaults. 

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. 

Superior categorization

Accurate, realtime data categorised to a superior level, all available through our API or presented in one easy-to-use dashboard.

Complete overview of risks

Make better risk assessments with precise insights into consumer spendings

Monthio is committed to providing lenders with the tools they need to make smart, data-driven lending decisions. By harnessing the power of Open Banking technology, we can help you better understand the risks associated with your applicants and ensure that your lending operations remain profitable and sustainable long term.

No-code solution

Easy to set up

All Monthio's products are no-code solutions, making it easy to set up and use for lenders of all sizes. Our platform has been designed to be user-friendly, with a simple and intuitive interface that requires no technical expertise to operate.

Our tools give you what you need to succeed in today's competitive lending landscape. Whether you are a small lender or a large financial institution, our no-code platform can help you make better lending decisions and achieve greater business success.

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A solution for credit providers

Credit card issuing

Get detailed insight into the lifestyle and consumption behaviours that indicate risks in your applicants.

Consumer loans

Make better loan approval decisions based on the most accurate data categorisation available.

Car financing

Get high-quality insights based on up-to-date transaction data ensure you can finance with less risk.

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Talk to one of our experts about risk & insights and optimise your loan application process.

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