Maximise revenue and profit
across risk and payments
Credit Canary unifies credit decisioning and payments into a single platform, so you can:
Start with the Decisioning Engine.
Unified, explainable decisioning across the lending lifecycle, the fastest way to prove Credit Canary against the cases your legacy stack refers.
There's more good lending within reach
Modern infrastructure and better data help you approve more creditworthy customers and spend less maintaining legacy systems.
Approve more creditworthy customers
Individualised affordability and richer data reach the good applicants that rigid rules and static bureau data turn away.
A lower cost to serve
One connected platform replaces manual underwriting, siloed data and spreadsheet reconciliations, bringing operational costs down.
Consumer Duty, built in
Individualised, outcomes-based assessment is native to the platform, so compliance is a feature, not a project.
Credit risk and payments, unified for banking
Credit Canary connects every stage of the credit lifecycle, from origination to collections.
Branded journeys that convert
Whitelabel application flows with built-in Open Banking data injection, real-time eligibility checks and verified data capture.
One enriched customer view
Bureau data, Open Banking transactions and lending history merged into a single profile.
Smarter, explainable decisioning
Move beyond rigid rules with configurable scorecards, real-time affordability assessment and AI-assisted case handling.
Payments that inform risk
Direct Debit, Open Banking and card payments managed alongside credit decisions.
Intelligent engagement at scale
AI-triggered collections, arrears management and customer engagement.
Portfolio intelligence, real-time
Live dashboards, portfolio analytics and strategy simulation.
Where banks unlock the most value
From recovering false declines to automating collections, these are the high-impact use cases where Credit Canary transforms.
Recover false declines
Convert rejected applicants into approved loans by replacing static bureau data with real-time Open Banking income and.
Automate underwriting
Reduce manual review cycles with AI-assisted straight-through processing.
Optimise collections
Integrate payment signals with credit risk models for early intervention.
Meet Consumer Duty
Demonstrate individualised, outcomes-based credit assessment with full audit trails.
Categorisation and enrichment, not available in market.
Access to the bank feed is a commodity. The difference is what Credit Canary does with it: a cryptic feed becomes clean merchants, grouped categories, detected income and flagged risk, a level of categorisation not available in market.
Built for banks.
Deployed on your terms.
Whether you need a zero-integration proof of value in weeks, or a fully embedded private cloud deployment.
Talk to our team
Turning 40% of loan declines into approvals, with better data, not lower standards.
TSB partnered with Credit Canary to challenge rigid decline rules using real-time Open Banking data.
Ready to unlock
more good lending?
From false declines to collections automation, Credit Canary gives banks the tools to lend smarter, serve cheaper and stay.