fino.trust
FOR CUSTOMER RELATIONSHIPS WITHOUT RISK
Know your customers with AI data analytics
TRUST FROM THE FIRST MOMENT!
The customer desire for fast and simple online financial services and open banking solutions is unbroken. An innovative customer experience has long since become a decisive competitive factor for banks and financial service providers. Account openings via app, online routes for lending, digital construction financing etc., often determine the choice of financial institution, but at the same time present banks and lenders with challenges:
In a world of online channels, it is more important than ever to know the customer “at the other end” in order to minimize risks from business relationships with new and existing customers.
With fino.trust's solutions, we provide you with AI-based account & data analysis technologies for account verification, credit checks and AML & fraud prevention that give you the best of both worlds - innovative customer experience for satisfied customers and excellent risk management.
Financial services at the push of a button need trust at the push of a button - or simply fino.trust!
Account verification
IDENTIFY ACCOUNT HOLDER
Whether it’s onboarding or account openings for new customers, targeted transfers, credit checks or fraud prevention – in a world increasingly shaped by AI and digitalization, it is more important than ever to know the business partner at the other end. With our account verification solution, we make the first step particularly easy for you:
Your customer or business partner logs into their online banking via our PSD2-compliant interface and in real time, our software, matches your business partner’s name with the account holder and account transactions.
The result? A secure verification of the name in just a few seconds.
With our account verification from fino.trust, you make it particularly easy for your customers to do business with you without having to compromise on the security you need!
- Excellent customer experience
- Fast onboarding
- Fewer conversion breaks
- Risk minimization, especially for new customers
Scoring & credit check
CREDIT CHECK IN SECONDS
Use fino.trust’s account transaction analysis for an instant credit decision that surprises your private and business customers and enables attractive credit conditions through efficiency gains!
Using the PSD2-compliant Open Banking interface, our scoring solution analyzes income, expenses, contracts, credits & loans, returns and much more from the account transactions in real time and prepares a detailed overview of the financial situation for you. This makes credit checks very easy not only for you, but also for your customers, as there is no need to submit paper documents.
And the best thing about it: AI-supported data analysis means that not only the usual historical values are included in the analysis, but also forecasts of possible financial developments. Uncomplicated credit decisions based on the highest data quality and precision – impress your customers with the credit products of tomorrow!
- Chargeback risk assessment
- Gambling risk profile
- Wage and account garnishment forecast
- Debt collection risk assessment
- AML scoring
AML & fraud prevention
PATTERN RECOGNITION 2.0 – POWERED BY AI
Whether when opening an account, granting a loan or in existing customer relationships – money laundering and fraud always represent a potential risk in customer relationships with financial institutions. The good news is that our innovative AI algorithms significantly increase your risk protection against financial crime compared to established money laundering and fraud prevention measures. In addition to the simple screening of individual transactions for criminal anomalies, identity checks or checks against embargo and blacklists, fino.trust’s AI-supported AML detector enables forward-looking pattern recognition even for independent transactions that appear unsuspicious with conventional screenings.
Combined with our PSD2-compliant Access to Account, not only account data of a single account holder can be analyzed for AML-relevant anomalies, but also cross-account transactions of different accounts and account holders, even at third-party banks, to detect criminal patterns reliably and in real time. Convince yourself of our pioneering pattern recognition 2.0, so that money laundering and fraud don’t stand a chance!
- Payment screening: detection of suspicious transactions
- Transaction monitoring: reduction of false alarms with AI
- Customer screening: comparison with sanctions and PEP lists
- AML AI overlay: Efficient addition to existing systems
- Transaction fraud: monitoring patterns in transactions
Manage risks with fino.trust
FAST. SIMPLE. THOROUGH.
Unrivaled data quality through leading expertise
As an account specialist, we transform financial data into accurate scoring and AML results. With 10 years of experience, we set industry standards in data quality and meet the highest security requirements.
Maximum precision through AI-supported analysis solutions
Our algorithms and machine learning models optimize scoring, creditworthiness and fraud detection. As a BaFin-licensed company, we are a reliable partner for financial service providers.
Real-time decisions through lightning-fast analyses
Our technology processes millions of pieces of data in seconds to produce real-time results. This enables us to increase customer satisfaction and the efficiency of decision-making processes, e.g. for loan applications, while minimizing risks.
