FAQs KreditCheck B2C

KreditCheck B2C is a solution that enables financial institutions to evaluate the creditworthiness of private customers efficiently. By analyzing one or multiple personal bank accounts, the tool generates a detailed report and recommendation that can serve as a reliable basis for granting loans or other financial decisions.

Traditional consumer credit checks require manual review of account statements and income documents, which is both time-consuming and prone to error. KreditCheck B2C simplifies and accelerates this process by:

• Automating income and expense analysis

• Highlighting potential risk factors

• Reducing workload for employees

• Delivering faster and more transparent decisions for both the bank and the customer

• A creditworthiness recommendation

• PDF reports with full documentation

• Insights into income, living expenses, and risk factors

• Rule-based evaluations that combine general industry standards and bank-specific rules

• KreditCheck B2C includes a standard rule set for evaluating consumer creditworthiness based on account data

• Rules can be customized and extended to reflect a bank’s specific lending policies

• Both standard rules and individual bank rules can be applied, making results more precise

• Access to the KreditCheck B2C API (see finAPI Solutions API Documentation)

• The KreditCheck B2C is also available as a widget. Using the widget requires no API integration. Click here to explore our public widget documentation.

• Efficiency: Faster and more reliable credit decision processes

• Scalability: Automated checks reduce manual workload

• Flexibility: Rule engine can be tailored to bank-specific policies

• Compliance & transparency: Provides documented and auditable reports

• Customer trust: End-users experience a faster, smoother credit application process

• The API delivers results and PDF reports directly

• No extensive IT setup is required, ensuring smooth implementation into advisor workflows and back-office systems