FAQs Digital Account Check (DAC)

DAC is a digital analysis tool that helps banks, financial institutions, leasing companies, FinTechs, and businesses in the credit decision process. It provides a structured evaluation of account transactions, income, expenses, and risks – summarized in a clear report.

• DAC4Loan B2C: Assessment of private customers’ financial situation.

• DAC4Loan B2B: Assessment of business customers’ financial situation.

Reports are available in JSON format (for system integration) and as a PDF document (for a clear and structured presentation).

DAC generates a compact report on an individual customer’s financial situation. It includes:

• Account and customer details (IBAN, BIC, bank, account holder, account type)

• Account balances and reporting period overview

• Income and expense analysis

• Income vs. spending comparison (graphical)

• Risk overview (e.g., chargebacks, debt collection, seizures, gambling)

DAC Widgets is an intuitive UI components that allow seamless integration of DAC4Loan into your platform – without complex development

Integration is flexible and straightforward:

• By sending a link (e.g., in an email)

• Or by embedding a code snippet directly into your platform
  The technical setup is identical to the KreditCheck Widget.