Use Open Banking for faster and better credit decisions

Start accepting more applicants, faster while lowering default rates. Credit Kudos makes it easy to collect and incorporate Open Banking data into existing affordability and credit risk models.

The future of credit data is here.

Credit Kudos collects and transforms individuals' and small and medium sized enterprises' Open Banking transaction data for use by banks, lenders and brokers. We harness the power of Open Banking to be used for affordability, credit risk, and beyond.

We provide solutions across the lending industry

We make it easy to access and understand complex financial behaviour for an array of business applications.

We securely connect to the UK’s largest banks using Open Banking APIs, handling customer consents and authorisation. Our cutting-edge machine learning techniques make sense of trends, presented in an easily digestible format.

We work with lenders, brokers, and financial institutions to easily incorporate complex data sets into a wide array of applications. We're always happy to chat about how we can make Open Banking work for you.

Auto Finance



Short-Term Lending

Retail Finance

Credit Cards

Tenant Vetting

Debt Advice & Management

Faster Decisions

Automate affordability, streamline underwriting and shorten customer forms

Increase Acceptances

Accurately assess thin-filed and previously overlooked customers

Reduce Defaults

Access proven predictive features derived from new data sets

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What our clients say

By automating previously laborious data collection processes, we've been able to spend more time with customers. Not only does this drastically increase efficiency, but it reduces stress on an individual and results in a better, faster outcome for all.
Susan Rann
CEO, Paylink Solutions

Credit Kudos differentiates itself from alternatives with a truly slick customer journey and a powerful vision of how customers’ personal information can drive better outcomes.
Matt Nunn
Head of Credit, Bamboo
Credit Kudos is a fast-moving start-up that is always developing their product, they have outstanding client support always on hand to help and willing to listen to our feedback. We use Credit Kudos to quickly and effectively verify our customers. It offers a user-friendly way to see clients financial information, showcasing it in easy to read categories, and breaks down monthly income and outgoings in handy graphs. It allows our business to make sound and well-informed decisions. I would highly recommend their services.
Charlie Sparrow
Operations Lead, Drover

Our Products

We help you request data, make sense of it, and incorporate it into future decision-making.

Our products are designed to give your customers the best experience, make your developers' lives easy, and help you stay ahead of the curve.


Easily request and access Open Banking data

Retrieve Open Banking data for affordability, creditworthiness, and more. Simple integration into online forms and chats. Collect user consents through an intuitive user experience.


Unique insights from financial behaviour data

Instantly verify income and expenditure. Quickly digest complex financial information. Save time and money evaluating affordability and credit risk. Keep your processes completely digital.


Harness richer data sets to better understand credit risk

Expand who you can lend to and better evaluate risk using actionable insights not available through traditional credit reference providers.

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Safe and Secure

Earning your trust is our top priority. Our technology was built from the ground up with security and privacy at its core. We’re integrated with some of the largest lenders in Europe and have trusted connections with major financial institutions.

Customer Consented

We believe you should always be in control when it comes to your data. You'll always be prompted for consent by Credit Kudos when sharing.

Regulated by the FCA

We're authorised and regulated by the FCA as both a Credit Reference Agency (CRA) and an Account Information Services Provider (AISP) (ref. 770345 and 795791).

GDPR Compliant

We’re registered with the Information Commissioner’s Office (ICO) as a Data Controller (reg. ZA158354) and are compliant with the 1998 Data Protection Act (DPA) and the EU General Data Protection Regulation (GDPR).

Security Tested

Credit Kudos' information security management system is ISO-27001 certified, and we have been awarded the UK government's Cyber Essentials certification.

Government-grade encrypted

We use HTTPS 256-bit encryption when transmitting and storing data to keep our customers safe.