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Better risk decisioning by real time financial insights and a proven set of risk indicators

Blue Risk Insights icon representing financial risk analysis and data-driven decision-making.

Risk Insights by Qwist

Enhanced risk decisioning by utilizing up-to-date information about applicants’ risk behavior, income, spending habits. A hassle-free experience through a seamless, fully digital application process.

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Coping with the risk

Gaining full insights about an end user’s financial situation

Challenges in obtaining comprehensive insights into an end-user’s financial situation pose business risks and hinder the end-user experience by utilizing traditional methods that are time-consuming and prone to errors. Third-party credit bureaus are a common source of information, yet they often have limitations, providing only the applicant’s credit exposure and delayed, sometimes outdated data.

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The most important facts, benefits, and how it works at a glance

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Blue Risk Insights icon representing financial risk analysis and data-driven decision-making.

Enhanced risk decisioning by real-time transaction data analysis

With Qwist’s Risk Insights product, you can enhance risk decisioning using up-to-date information about the end user’s financial stability, risk indicators and spending habits. This information is derived from real-time transaction data analysis. As a result, you can offer end users a fast, hassle-free experience with a seamless, fully digital application process.

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Key risk indicators

We provide you with a real-time affordability check, real-time data on gambling, loans, overdrafts, and debt collections.

Continuous risk mitigation

Proactive and continuous risk management by monitoring financial stability with real-time data for up to 180 days on a single consent.

Increase conversions

Boost acceptance-rates and reduce default risks with Risk Insights streamlining financial evaluations and enabling more precise decision-making.

360° multi account view

Obtain comprehensive risk insights by analyzing one or all selected accounts collectively, providing a holistic view of financial health.

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How the Risk Insights works

turquoise icon process

High level of Flexibility ready to fit multiple use-cases

The Risk Insights product provides the client with all necessary data points to assess possible risk factors of the user. The Risk report provides specific account information including an identity verification, affordability check, balance trends, account activity and a detailed analysis of regular and variable income and expenses. Additionally, Risk KPIs such as gambling, loans, debt collection or ATM withdrawals are summarized. We also identify the user’s primary source of income and its frequency. All of this information is provided by computing all those values using transactions received from the bank for a specific period. The Risk Report utilizes two main data sources to get the full overview about the end-users’ financial stability and associated risk:
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Transactions

we provide risk indicators that were derived from all available transactions of the user within a pre-selected period. The possible reporting period depends on the available transaction history available from the end-user’s bank, which typically supports about one year of transaction data.

Accounts data

we supply a per-account risk report, almost all information here is derived from the account and its balance

Actionable insights

We help customers break down each indicator to obtain further insights about why a customer was granted one key indicator or the other.

First-level check of end users’ financial stability

We develop our own pre-screening calculations logic and support our customers in obtaining a preliminary idea about their end user’s financial stability.

Modular & flexible key figure selection

Customers have the flexibility to select the most relevant risk indicators and reporting period that serves their specific use case.

Instant results

Automated financial health assessments for quicker, more accurate risk processes.

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Risk Insights

Tech Documentation

Dive deeper and find more information from our API documentation.

  • Overview
  • Data-Access-Types
  • Prerequisites
Read Tech Documentation
JSON
{
  “period”: 12,
  “accounts”: [
    {
      “name”: “FlexiCash”,
      “type”: “Giro account”,
      “owners”: [
        “Max Mustermann, Erika Mustermann”
      ],
      “iban”: “DE93300308800013441006”,
      “currency”: “EUR”,
      “is_jointly_managed”: true,
      “is_main_account”: true,
      “last_transaction_on”: “2025-01-14”,
      “balance”: {
        “days_in_overdraft”: 0,
        “average”: {
          “one_month”: 1234.56,
          “three_months”: 234.56,
          “six_months”: 562.67
        }
      },

Demo Risk Insights

Still have questions about Risk Insights? Please contact us and we will happily provide you with advice!

contact@qwist.com