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ACCOUNTSCORE
 * About Us
 * Why Use Bank Transaction Data?
 * Contact Us

PRODUCTS
 * consents.online
   
   Consumers manage their online consents from one central hub.

 * AccountScore Connect
   
   Connect to banks and securely download and store transaction data.

 * AccountScore Enrich
   
   Enrich provides richly categorised data with actionable insights.

 * AccountScore Verify
   
   Simple API calls Verify consumers salary and employment status.

 * AccountScore Events
   
   Dashboard notifications of events via API and email.

 * Tenant Connect
   
   Verify consumers' income and rental payment history.

RESOURCES
 * Developer API
 * News
 * Events
 * Whitepapers





CONSENT, CONNECT & ENRICH


ACCOUNTSCORE PROVIDES CLIENTS WITH ACCESS TO BANK TRANSACTION DATA THROUGH OPEN
BANKING AND DELIVERS CUTTING-EDGE TRANSACTION ANALYTICS TO DRIVE VALUE.

REQUEST A DEMO


ABOUT US


ACCOUNTSCORE, AN EQUIFAX COMPANY, HELPS BUSINESSES TO OBTAIN AND UNDERSTAND BANK
TRANSACTION DATA WITH COMPLETE FLEXIBILITY.

AccountScore, an Equifax company, is an analytics business based in London but
with people in the USA and in India, which provides actionable insights and
analytics on bank transaction data for our clients - typically banks and
financial services companies who want to learn more about their customers,
prospects and applicants.

Where our clients already have bank transaction data we simply import the data
and provide analytics through our dashboards or by API. Accounts can be analysed
individually, or we can process multiple accounts with millions of transaction
rows in a single import.

Where our clients are non-banks that want to analyse bank data for their
customers, or banks that want to analyse their customers’ transactions from
other banks, we work with our sister company, consents.online, which obtains and
stores transactions for clients and manages customers’ permissions for the
viewing of this data. consents.online is a Registered Account Information
Service Provider (AISP) with the Financial Conduct Authority, registration
number 792642.

consents.online is a place where customers can control what consents they have
given and to whom. Where consent has been granted, it connect to banks to
collect the transaction data that our clients request. Learn more about
consents.online

Clients of AccountScore can use consents.online on a back-to-back basis so do
not need a direct contractual relationship with it.

Using consents.online To Obtain Bank Transaction Data Using AccountScore To
Analyse The Data




TRY ACCOUNTSCORE TODAY

See the AccountScore analysis for yourself by connecting your bank account.
Getting set-up only takes a couple of minutes.

Try AccountScore Login To Your Account
DATA FOR BETTER DECISIONS


WHY USE BANK TRANSACTION DATA


PREDICTIVE BEHAVIOURAL DATA

The knowledge that can be obtained from access to bank transaction data isn't
limited to how much money is going through the account. Where they transact,
what transfers they make and how often they use their account are amongst
numerous predictive variables in the building of credit models.


IN-DEPTH PROFILING

See where customers spend, what financial services they have and what utilities
they use. There are enormous marketing and profiling opportunities available
from this kind of information. Bank data allows businesses to treat their
customers individually, according to their circumstances and to ensure a better
experience for everyone.


ACTIONABLE INSIGHTS

AccountScore provides its clients with valuable Actionable Insights. Set out
below is a list of examples of these and how they are generated together with
associated use cases.

Example Actionable Insights


79%


SUBMISSION RATE


93%


COMPLETION RATE


384,134,783+


TRANSACTION ROWS


ACCOUNTSCORE PRODUCTS


CONSENTS.ONLINE

consents.online (accessed by customers at consents.online) is a central hub
where consumers can control what consents they have given, and to whom. It
provides clients with an iframe or web page where they can direct their
customers to indicate their consent to that client accessing their bank
transaction data.

Once consent has been granted, customers can visit consents.online to see what
data has been accessed by whom and to change consent permissions.


CONNECT

consents.online is an AISP and have permission to use the APIs provided through
the UK’s open banking initiative to connect to banks and download data. Where
APIs are not available at certain financial institutions, AccountScore obtains
the transaction information directly through the online banking interface.

consents.online adheres to strict security standards and stores and transmits
all data according to best security practice.


ENRICH

Enrich is AccountScore’s most detailed solution which provides richly
categorised data as well as numerous actionable insights into the data. Enrich
is provided through APIs as well as through our powerful dashboard.

Enrich has a number of additional modules which focus on disposable income
calculation and account forecasting.

Enrich provides numerous 'actionable insights' and allows clients to obtain
enhanced transaction data on which predictive models can be built.


THE ENRICH MODULES

Customers have the option of using additional modules in AccountScore Enrich.
These modules include:

 * Basic affordability
 * Enhanced affordability
 * Standard financial statement
 * Account forecasting


VERIFY

Verify is a simple API call for customers that wish to verify consumers’
employment and salary.

The API returns the following information:

 * Employer Name (if present) or Transaction Description
 * Salary Amount
 * Pay Frequency
 * Next Expected Pay Date
 * Any associated recurrence data
 * Out of work benefits payment flag
 * Possible loss of income flag


EVENTS

AccountScore notifies its clients of events in the dashboard, by API and by
email. Events are bundled with AccountScore Enrich, and offered as an add-on to
AccountScore Verify.

Example Events


TENANT CONNECT

Tenant Connect is an API based product that allows tenant referencing companies,
online estate agencies and other related firms to verify a consumer's income and
rental payment history.

HELPING BUSINESSES SERVE THEIR CUSTOMERS


WHITE PAPERS

AccountScore’s expert management team has put together a set of white papers
analysing the key issues currently effecting the credit and data markets in the
UK, USA and India. The papers are free to download, so please do go ahead and
read. Should you wish to discuss any of the content, don’t forget you can get in
contact via the details within each paper or at the bottom of the website.

Download White Papers


NEWS

AccountScore won 4 awards with Credit Strategy meanwhile Emma Steeley,
AccountScore CEO, won Director of the Year and the UK Fintech Awards.

In partnership with Equifax and PSA Finance UK Limited, AccountScore won Best
Outsourcing & Partnership Initiative - Data insight as well as Best Use of
Technology - Partnerships. AccountScore is also thrilled to announce that Joseph
Welford, AccountScore's Senior Analyst, has won the Rising Star of the Year -
Technology Award. Meanwhile Andrea Varga, Head of SME Lending, AccountScore, won
the Rising Star of the Year at the Women in Credit Awards and Emma Steeley,
AccountScore CEO, won Director of the Year and the UK Fintech Awards.

27 November 2020
AccountScore and Quotevine are partnering to ease the adoption of Open Banking
at this critical time.

Quotevine have adapted their tried and tested SaaS platform to enable a
standalone communication channel for brokers and lenders, utilising
AccountScore's latest Open Banking technology to create a straight-through
process for proposals.

24 November 2020
Oakbrook Finance launches Open Banking first in lending aggregator market

Together with our partner Oakbrook Finance, AccountScore will be delivering the
first real-time lending approval using Open Banking data to provide a
frictionless lending journey for consumers applying for credit through
ClearScore .

12 November 2020
AccountScore partners with Visa

AccountScore has partnered Visa to enable improved insights into business
transaction data for SME lenders.

11 November 2020
Click2Check partners with AccountScore

FinTech company Click2Check, has formed a partnership with AccountScore to
utilise its open banking platform as part of its Credit Assess product.Credit
Assess provides pre-qualifying information to advisers in order to deliver a
thorough understanding of each customer’s unique financial circumstances.

16 October 2020
AccountScore is proud to announce that it has been shortlisted for 7 awards at
the upcoming Credit Awards

AccountScore is proud to announce that it has been shortlisted for 7 awards at
the upcoming Credit Awards

14 October 2020
AccountScore reaches the finals of the prestigious Lloyds Bank Business Awards

AccountScore, the UK’s leading Open Banking platform, is delighted to announce
that it has been shortlisted for the The Data Excellence Award as well as The
Business Enabler of the Year Award at the prestigious 2020 Lloyds Bank National
Business Awards.

13 August 2020
FundingXchange embraces Open Banking through AccountScore’s market-leading
solution

FundingXchange, a pioneering SME lending marketplace and intelligent decisioning
platform, has partnered with the leading fintech platform AccountScore, to
enable SMEs to reap the benefits of Open Banking and efficiently obtain a
greater number of personalised funding quotes.

18 February 2020
1st Stop Group to partner with AccountScore

1st Stop Group Limited is set to partner with the data and analytics business
AccountScore.

11 February 2020
Asset finance startup Simply taps Open Banking data through AccountScore

AccountScore, the UK’s leading open banking platform, today announced that it
has enabled Simply to capitalise on the benefits of open banking by providing
the lender with an API to further enrich the lender’s underwriting data sources.

3 February 2020
Optimum Finance invests in market leading Open Banking and Open Accounting
technology to improve financial processes for UK SMEs

Fast growth firm Optimum Finance is leading the UK invoice finance market by
incorporating cutting edge technological solutions into its client approvals,
onboarding process and financial reporting systems.

27 January 2020
AccountScore crowned Innovator of the Year at the Credit Strategy Lending Awards

AccountScore, the UK’s leading Open Banking platform, is delighted to announce
that it has won the Innovator of the Year Award (Data, Open Banking &
Affordability) at the 2019 Credit Strategy Lending Awards.

27 November 2019
AccountScore and Equifax release new Open Banking credit risk index

AccountScore and Equifax have today announced the release of a new credit risk
index for the consumer lending sector which allows financial institutions to
more effectively understand consumers applying for credit products.

5 November 2019
AccountScore shortlisted for 3 categories in the Credit Strategy Lending Awards

AccountScore, the UK’s leading Open Banking platform, is delighted to announce
that it has been selected as a finalist in three categories of the 2019 Credit
Strategy Lending Awards; Best Technology Partner, Innovation Award- Data, Open
Banking & Affordability and Gamechanger - Risk & Regulation.

10 October 2019
Finalists in U&T Awards

We're thrilled to announce we are a finalist in The Utilities & Telecoms Awards
for 2019. We are shortlisted with Vodafone in the category for Best Outsourcing
and Partnership Initiative of the Year.

19 August 2019
Validis and AccountScore partner to power SMEs in UK

UK-based AccountScore, the AISP accredited Open Banking platform, and Validis,
the financial data sharing, and standardization expert, have partnered to
deliver transparent financial services for small and medium businesses in the
UK.

August 2019
Credit Awards marks 20 years with extravaganza

On 16 May 2019, the Credit Awards marked 20 years as the industry’s most
respected awards programme.

16 May 2019
Gregory Pennington embeds Open Banking solution to debt management

Gregory Pennington, the debt management company, has integrated an Open Banking
solution, provided by Equifax in partnership with AccountScore, into its annual
customer review process.

10 April 2019
Equifax Analytics accelerates digital lending process with AccountScore

Equifax Analytics Pvt Ltd, a global information solution provider of predictive
analytics, today announced that it is joining forces with AccountScore, an
analytics-based business in London with presence in India, which provides
actionable insights and analytics on bank transaction data for its clients.

9 April 2019
Equifax Analytics ties up with AccountScore

Information solutions firm Equifax Analytics said that it is joining forces with
AccountScore, an analytics-based business to develop products that will help
provide better information on customers to financial institutions.

8 April 2019
Freedom Finance integrates open banking

Freedom Finance, a secured and unsecured lending broker platform, has launched
the first open banking access to a panel of lenders for secured loans.

27 February 2019
Freedom Finance cuts application time to five minutes

Freedom Finance has launched an Open Banking solution which promises to speed up
the application process from two days to five minutes.

26 February 2019
M&S Bank uses open banking for mortgage applications

M&S Bank has become one of the first mortgage providers to enable open banking
assisted mortgage applications.

26 February 2019
M&S Bank claims faster applications from open banking

M&S Bank has enabled open banking assisted mortgage applications.

26 February 2019
AccountScore and The Insolvency Panel collaborate over Open Banking solution

AccountScore has announced the launch of an Open Banking solution for the debt
advice and debt solutions sector, working with The Insolvency Panel.

6 February 2019
Lending Awards winners revealed

Featuring awards for intermediaries, mainstream and specialist lenders,
alongside market challengers and suppliers, the Lending Awards is the only award
programme distinguishing and rewarding individuals and businesses across the
spectrum of three of the largest sectors in the UK credit market.

9 November 2018
Equifax & consents.online Announce Open Banking Partnership

Equifax and consents.online have announced that they have launched an Open
Banking platform which for the first time allows UK consumers and small
businesses to manage the sharing of their financial information.

,

The alliance has been established to develop solutions for the UK’s Open Banking
initiative which gives online banking customers the ability to share their
financial data, traditionally held by banks and building societies, with
authorised third parties.

July 2018, London
Open Banking Permissions Platform Nabs Another Major Partner

Credit reference agency Equifax has hitched its Open Banking plans to the
consents.online permissions platform.

,

As Open Banking continues to creep forwards, consents.online is assembling an
impressive roster of partners.

July 2018, London
Emma Steeley- CEO of AccountScore speaks at 2018 FintechTalents

Will Open Banking work, will it be a resounding success? Emma Steeley, CEO at
AccountScore says the answer is ‘Yes’ at FinTECHTalents 2018.

May 2018
East Sussex Credit Union To Provide An Open Banking Solution By Utilising
consents.online

Consents Online Limited (consents.online), one of the first Registered Account
Information Service Providers (“AISP”s) in the UK and the only AISP offering
Open Banking as a Service (“OBaaS®”), is delighted to announce that the East
Sussex Credit Union, which operates a successful and ethical co-operative
savings and loans business in Brighton & Hove, will be utilising the newly
implemented Open Banking API framework powered by consents.online to transform
its decision and underwriting processes.

May 2018, London
Open Banking: What Are The Options For Consumers?

Open Banking took a big step towards mainstream public acceptance recently when
HSBC unveiled a smartphone app that lets consumers take advantage of the
initiative.

,

But Open Banking is a new concept that is still unfamiliar to many consumers.
Here, Telegraph Money breaks down what it is and what options are available to
consumers.

May 2018, London
HSBC Starts Using Open Banking Data To Assess Customer Affordability

HSBC has taken a significant step into the Open Banking regime by signing a deal
with a third-party software and analytics provider to allow it to launch
consumer products utilising data through the initiative.

May 2018, London
HSBC To Tap Open Banking Potential Through New Partnership With consents.online

HSBC UK is set to capitalise on the opportunities presented by Open Banking
after agreeing to a partnership with consents.online, an Account Information
Service Provider (AISP).

May 2018, London
consents.online releases the first live Open Banking Personal Finance Management
product.

ClearAccount, Powered By consents.online, Has Today Become The First Personal
Finance Manager To Utilise The Newly Implemented Open Banking API Framework

March 2018, London
Consents Online Leading Open Banking Revolution

Consents Online Limited, is delighted to announce its authorisation from the
Financial Conduct Authority as a Registered Account Information Service Provider
(“AISP”).

January 2018, London
AccountScore At LendIT Europe

AccountScore was delighted to introduce at Lendit Europe 2017 it’s custom built
consents management platform, consents.online, which gives customers the ability
to consent, control and view how their data is being used by third party
provider under Open Banking.

October 2017, London
AccountScore At Finovate

AccountScore proudly launched our US platform at Finovate in San José in April
of 2017. The video is here, and takes only seven minutes. Watch it to get an
overview of what we do.

April 2017, San José
AccountScore Shines At Finovate, San José

Ian McKenna sums up day 1 at Finovate and reflects on the success of
AccountScore's launch in the USA.

April 2017, San José


EVENTS

Want to meet with us? We're attending these upcoming shows and would be
delighted to discuss our products with you.

Nov 2020
5
Credit Awards
Digital Broadcast
Nov 2020
6
Credit Summit
Digital Broadcast
Nov 2020
10
Lloyds National Business Awards
Digital Broadcast


CONTACT US

1 Angel Court
London, EC2R 7HJ,
United Kingdom
Phone: +44 (0)8000 850 650

hello@equifax.com

© 2023 AccountScore Limited, 1 Angel Court, London, EC2R 7HJ. Company
Registration Number: 10084932.
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