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Lending & Finance

The platform that verified income in seconds and moved repayment to A2A

Verified income and account ownership instantly with account information, and moved repayments to card-free, low-cost A2A via payment initiation.

A digital lending platform

-70% Approval time
+25% Repayment collection
Saniyeler Income verification
THE CHALLENGE

Income and document checks were manual and approvals took days. Repayments were collected on cards, raising costs and delinquency risk.

THE SOLUTION

Kobaküs Account Information verified the applicant’s income flow and account ownership in seconds, fully compliant. Payment Initiation collected repayments directly from the bank, 24/7 and at low cost.

THE RESULTS
  • Application approval time fell 70%.
  • Automated A2A repayment lifted collection 25%.
  • Real income data improved risk scoring.

We cut income verification from minutes to seconds — moving repayment to A2A lowered both cost and defaults.

Head of Risk & ProductA digital lending platform
PRODUCTS USED
Account InformationSecurely access financial data from bank accounts. Payment InitiationAccept instant, card-free payments to your bank account.
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