Improve Your Completion Rate With A Fast, Effortless Loan Application Process Your Customers Will Love

Credit Sense obtains your customer’s transaction history and supporting documents in a secure, consent driven journey, delivering you key income and affordability insights so you can make fast and informed decisions.

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Secure, Consent Driven Customer Journey

As a lender, you need reliable income and affordability insights to meet risk and compliance obligations – but you also need to deliver the fast and enjoyable experience customers expect. The problem is that obtaining reliable documentation and assessing income and affordability can be slow, expensive and frustrating for customers.

Credit Sense enables customers to supply bank statements and supporting documents as part of your application process in a secure, beautiful customer journey – that can take as little as 20 seconds. You’ll make more accurate, consistent decisions and give customers an outcome in less time than ever before.

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Delight Your Customers With A Fast And Enjoyable Experience

Every lender wants to give customers an easy and enjoyable experience when applying for a loan. Unfortunately for customers, the thought of detailing their budget and supplying their transaction history can be stressful and frustrating.

Credit Sense’s customer journey is secure, fast and enjoyable to use. We securely gather the data, analyse it and provide consistent and reliable income and affordability insights to speed up your assessment process. Credit Sense delights customers and makes applying for a loan fast, easy and memorable.

Features

Increase The Completion
Rate Of Your Online Loan
Applications

The moment a customer begins a loan application through your website, you have already done the hard work. But with every interaction, every second of wait time, every document they have to upload, their experience deteriorates. This is especially true when they need to provide bank statements and complete a complicated budget.

Credit Sense simplifies this difficult process for the customer, reducing the risk of abandonment while providing the easiest and fastest experience on the market. This means you can make faster decisions and take customers off the market sooner, all while giving your customers an experience they will want to share with their friends.

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Privacy, security & compliance

We are certified to the ISO 27001 standard for information security management and follow leading industry practice for compliance and privacy.

Consistent Trend Based Analysis

Trend based analysis is key to delivering reliable current and future trend estimates for all customer income and expense categories.

Income
Identification

Instantly understand your customer’s historical income sources and trends, together with future income estimates.

Beautiful customer experience

Onboard customers faster and give them the best experience available with a fast, beautiful customer journey they will love to use.

Rich, quality data

Our data analysis and categorisation deliver high quality, rich insights that are supported and continuously enhanced by our experienced team.

Conversion rate

Our engagement tools and customer journey deliver an incredible user experience and excellent conversion rates.

Flexibility

Not all business needs are the same, so our solutions are designed to be flexible with over 500 customisable insights to choose from.

Support

Our highly qualified Technical Account Managers will support your team to get the most out of Credit Sense now and as you grow.

Privacy, security & compliance

We are certified to the ISO 27001 standard for information security management and follow leading industry practice for compliance and privacy.

Consistent Trend Based Analysis

Trend based analysis is key to delivering reliable current and future trend estimates for all customer income and expense categories.

Income
Identification

Instantly understand your customer’s historical income sources and trends, together with future income estimates.

Beautiful customer experience

Onboard customers faster and give them the best experience available with a fast, beautiful customer journey they will love to use.

Rich, quality data

Our data analysis and categorisation deliver high quality, rich insights that are supported and continuously enhanced by our experienced team.

Conversion rate

Our engagement tools and customer journey deliver an incredible user experience and excellent conversion rates.

Flexibility

Not all business needs are the same, so our solutions are designed to be flexible with over 500 customisable insights to choose from.

Support

Our highly qualified Technical Account Managers will support your team to get the most out of Credit Sense now and as you grow.

A Simpler Loan Application Process For Both You And Your Customers

 

Obtain Customer Transaction History Fast

Automate and obtain reliable customer income and affordability insights in a fraction of the time it normally takes – making it easy to give your customers the seamless experience they deserve!

Improve Your Completion And Conversion Rate

Credit Sense can deliver a simple, frictionless process customers love – so you can get an answer to your customers and take them off the market faster than ever before!

A Secure and Safe Process

Keeping your data safe is our priority. All data is encrypted at rest and in transit, and stored in isolated and highly secure vaults using 256-bit AES row-level encryption accessible only via restricted access networks. We utilise behavioural analytics and anomaly detection algorithms that continuously scan all activity across our network in addition to continuous infrastructure monitoring by our SecOps. Your customers will enjoy safety and security from start to finish.

Manage Risk With Better Insights

With deeper and more reliable income, affordability and risk insights, you can make faster and more consistent decisions and reduce your compliance and general business risks.

You're in good company

Responsible Lending Has Never Been This Easy

Credit Sense offers the most advanced bank transaction data insights on the market. Choose from over 500 custom financial insights to help you manage risk in your assessment process. If you need something special, our Technical Account Managers are here to help you design your own with our custom insights tool.

Our financial data insights can improve consistency and help you manage your responsible lending obligations with confidence.

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A Powerful System That Integrates Seamlessly With
Your Existing Software

Credit Sense is a powerful, easy-to-integrate platform that will work seamlessly with your existing software. We offer a one-line of code integration option making the process as straightforward as possible to get you up and running fast.

You’ll also have a dedicated Technical Account Manager working with you to understand your business needs and ensure you get the most value from our platform. Your success is important to us, so you can expect the highest level of ongoing support as your business grows, ensuring our solution evolves with your business needs and continues to deliver unmatched value.

Developers

Easy integration

<iframe id="creditSenseIFrame" src="about:blank" style="height: 580px; width:98%; border: none">iframes are not supported in this browser</iframe>
<script src="https://static.creditsense.com.au/CS-Integrated-Iframe-v1.min.js"></script>
<script>
document.addEventListener("DOMContentLoaded", function(event) {
    // Your code to run after DOM is loaded and ready
   $.CreditSense.Iframe({
        client: "DEMO",
        elementSelector: "#creditSenseIFrame",
        enableDynamicHeight: true
    });
});
</script>

Efficient and Consistent
Credit Assessment

Custom insights allow you to automate key parts of your process with the most consistent and reliable transaction analysis available. You can achieve more consistent outcomes, reduce mistakes and improve job satisfaction by allowing your credit analysts to apply their focus where it’s truly valuable.

Custom insights provide key metrics such as customer income, essential and discretionary expenses, outlying spend events, affordability and risk. Using custom insights can lower your compliance costs and help to ensure your bank transaction assessment processes are being consistently applied.

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Commercial Credit Software Solving For Business Lending

 

Commercial and consumer lending have different challenges. We recognise that assessing a business is not the same as assessing a consumer and have specialised analysis products for commercial lending applications.

Credit Sense Commercial delivers a view of business’ bank transactions that align with the cashflow and business trading insights commercial lenders need.

Get access to specialised commercial bank transaction analysis and transform the speed and consistency of your commercial credit assessment process.

Features

Obtain commercial bank transaction data fast with one of our data capture options

Consistent view of revenue types, fixed and variable expenses and other business activity

Manages for commercial and consumer co-mingled bank transactions

Use custom insights to consistently apply your specific credit assessment rules

Sophisticated Decision Support That Is Perfect For Any Credit Provider

As a developer, you want to ensure any new software your business uses will meet your technical specifications and perform at a level that makes the investment worthwhile. We offer a configurable one-line integration, making the process as simple as possible.

Our flexible infrastructure and reliable systems ensure your customers always have a smooth, user-friendly experience. Designed to work seamlessly with your existing software, Credit Sense will integrate effortlessly into your business and streamline your loan application process.

Developers

About Us

Our goal is to improve how the world shares data. We want consumers and businesses to be able to connect and share information, safely and easily. This way, they can work together to build stronger relationships that deliver mutual benefits far beyond a single transaction.

With Credit Sense, consumers retain visibility and control of their consents – while businesses access reliable and useful financial insights to serve their customers better and faster. This means a more enjoyable application process for everyone involved.

Discover More

Become Part Of Our Innovative Team

Are you a rising star, veteran or a heavy hitter with a proven history of wins in software development, data science, business development, sales or marketing? Would you like to work with an exciting and innovative business? Credit Sense provides excellent employee benefits, an amazing and supportive workplace and multiple opportunities to grow your career.

Work with a team who are excited about the future. Click the link below to find out more about our company and what we stand for, our current opportunities and how you can join our team.

Join Credit Sense Team

Hear What Clients Say About Credit Sense

The client service we receive from Credit Sense is genuinely outstanding. The products are reliable, easy to use and provide rich, quality data that is integral to our business. The team goes above and beyond, regularly providing insights beyond what we ask for. It hasn’t been a one-off great experience, it’s every time we reach out that the service and support we receive exceeds our expectations.

Head of Product – Lending
Australian non-bank lender

DTR has been a customer of Credit Sense for some time, however, my role in liaising with Credit Sense is fairly new. Paul and the Credit Sense team have been very helpful in providing me with an understanding of decision points to get the best mileage out of Credit Sense for our company. They have also been very helpful in guiding us to understand the best way to deploy and we feel Credit Sense is always on the same page as us. Credit Sense is really good to work with as DTR likes to push the limits in what we can do and Credit Sense always finds a way with their system to help us achieve our objectives. Logging tickets and gaining support is phenomenally easy as is understanding the resolution. Paul has also been helping the company with understanding CCCFA and its impact on the industry for its customers.

Shaun
DTR Thorn Group Finance, NZ

I can say that I have experienced nothing but the best level of service and support from Credit Sense which has been far superior than that provided to Flash Money by any other provider. My development team said that the Credit Sense development team were so helpful and open when we were integrating with Credit Sense, providing great information on additional features and decision points. Paul and Lucas have always provided amazing service and nothing has ever been too difficult, they always just get it done and to the most professional level of service and support we have experienced. We love you guys!

Mona
Flash Money

We have been a customer of Credit Sense for quite some time and have always experienced excellent customer service. We have never had any real issues and Naveen is always available to help us and is very prompt and readily addresses any queries we may have. Rick has provided excellent work for us on our decision points and the quality is of a very high standard and inexpensive for the value that we realise.

Hector
Financial Services

I have been very happy with level of service provided from the very start. Since my first conversation, the Credit Sense team has been sincere and made me feel very conformable with process. The Credit Sense team are very happy individuals who provided the good advice. The online lending game is a different ball game and Credit Sense has been made it easier to consume. Their expertise has given me confidence in the knowledge that I am minimising risk.

Kon
Financial Services

I would like to thank the Credit Sense team for providing such enhanced Credit Sense reports with so nicely categorised data, which is quick and much easier and simpler. I thank the whole team at Credit Sense.

Hardeep
Breezy Loans

Guaranteed To Reduce Abandonment By 20%

We’re so confident we can reduce your online loan application bank statement abandonment by 20% in the first 30 days, that if we don’t, our Technical Account Managers will work with you for free until we do.

You’ll be assigned a dedicated Technical Account Manager to help reduce your bank statement abandonment and increase your overall completion rate. We’ll work together to review outcomes and implement strategies to get more applications flowing through. T&C’s Apply

Schedule A Free Demo

Claim Your Free, No-Obligation
60-Minute Product Demo

Checklist

Get Your First Month Free When
You Sign On

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Your Integration Fee Waived T&C’s Apply

Here’s what we’ll go over during your free demo:

Checklist

Options to increase the speed of your online application process and improve your completion rates

Checklist

How you can use Credit Sense to automate parts of your online application workflows, risk management and compliance activities

Checklist

Income identification and affordability assessment solution options for your business

Checklist

The ‘Plug and Play’ integration model that makes it simple, easy and effective to integrate into any online system

Checklist

Plus, we’ll cover any technical, security and process related questions about how Credit Sense can work in your business

Fill out the form below and we’ll contact you shortly to organise your free product demo.







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