Bank Account Aggregation Software

The Credit Sense platform includes all of the customer experience, workflow management and data capture solutions you need, and it’s easy to get up and running quickly.

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Customer Experience

Great customer experiences don’t just happen. They require a deep understanding of the problem, continuous consultation with customers, lots of trial and error and a desire to innovate and deliver something special.

Our customer experience solutions reflect our level of commitment to meeting our clients’ integration needs and delivering a customer journey that is second to none.

Customer Journey

Our customer journey is where the customer engages directly with us to provide their consent and access to the data sources that hold the information they wish to share.

The Credit Sense customer journey delivers for customers in terms of security, convenience, visibility and usability, creating a relationship of trust and comfort.

Learn More About the Customer Journey

Customer Engagement

You can use Credit Sense to improve customer satisfaction and reduce friction at a number of different customer lifecycle stages, online or in-person.

However you engage with your customers, we have tools to help you professionally and smoothly hand the customer into the customer journey.

Learn More About Customer Engagement

Workflow Management

The Credit Sense platform provides a range of workflow management tools to give you visibility, and enable orchestration of everything from customer engagement to data delivery.

Client Dashboard

Our dashboard offers clients immediate, secure access to all of our services – with no integration. Although most clients will integrate the Credit Sense services they use, the ability to also access them from our online dashboard provides flexibility and value for teams dealing with edge cases and the day-to-day needs of their business.

Learn More About Client Dashboard

Data delivery

Different businesses have different needs when accessing data and insights customers have shared with them through Credit Sense. We have secure and reliable data delivery options to support use-cases from manual report review, to automating customer flows based on data insights – and everything in between.

Learn More About Data Delivery

Data Capture

To enable customers to share their data, we first need to capture it. We offer several data capture options designed to support different business use cases.

Digital Data Capture (DDC)

Digital data capture enables fast, consent driven access to bank statement information and other supporting documents. It’s secure, convenient, and helps customers supply verified information about themselves when applying for financial or other products or services that require it.

Learn More About DDC

BYO Data

If you have your customer’s transaction data and authority, our BYO Data service lets you securely transmit it to us and access our Income and Affordability insights.

You can also use our Enrich service to categorise your transaction data and create new value-add services for your customers.

Learn More About BYO Data

PDF Data Extraction

If your customers supply PDF account statements, PDF Data Extraction can enable automation and make your assessment process faster, without needing to change the way your customers supply their information.

By using PDF Data Extraction you can also access our Income or Affordability insights, and Authenticate, our fraud checking and process improvement product.

Learn More About PDF Data Extraction

Ongoing data access

When you enable your customers to share data with you using Digital Data Capture, with their consent and authority you can access updated transactions for an agreed period of time.

Learn More About Ongoing Data Access

You're In Good Company

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.

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!

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.

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.

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.

Breezy Loans

Claim Your Free No-Obligation
60-Minute Product Demo

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


The simple way to increase the speed of your online loan application process and improve your completion rates


How you can use Credit Sense to automate your loan application workflows while ensuring you manage your compliance obligations and meet your risk management goals


How you can solve income identification and affordability assessment for your business using Credit Sense


How to use Credit Sense to provide fantastic support to applicants who do not fit your target market and unlock an additional revenue stream


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


Plus, you’ll be able to ask any technical and process related questions regarding Credit Sense and how it will work in your business

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