BankVERIFY+

Predictive Analytics on 99% of Bank Accounts

NON-CREDENTIALED | Enrollments. Acquisition. Underwriting.
API DocumentsData Study

BankVERIFY+

Predictive Analytics on 99% of Bank Accounts

NON-CREDENTIALED | Enrollments. Acquisition. Underwriting.

API DocumentsData Study

Recommended
Action Codes

BankVERIFY+ returns codes that recommend a course of action to minimize repayment risk

Strong Positive Payment History

Stable with Good History

Limited Payment History

Suspect / Recent Negative History

High Ratio of Neg Payments

Differentiation | Actionable Intelligence

Analyzing payment behavior uniquely to better predict financial outcomes

Identifying Multiple Bank Accounts

Connects related financial relationships to evaluate a user’s full financial welfare

Trended ACH History​

Understands how a customer’s finances have changed over time

Affordability Analysis​

Evaluates the success of similar transactions (e.g., amount, timing, frequency)

BankVERIFY+ identifies fraud and payment affordability risk based on an applicant’s bank account history.

Trended attributes provide a complete view of financial wellness

Recommended Action Codes rank order bank account behavior and risk

%

Bank account coverage to decision on all accounts instantly

Use Cases

More than just a data provider – a real-time decisioning tool

Prime Consumer Finance

Identified $3.1M per month
in 3rd party bank fraud

Lease to Purchase

Identified 40% of late payers
in one bucket

Mobile Wallet

Prevented 28% of
high-risk returned payments

Public Consumer Finance

Reduce $2.7M in losses with application screening​

Data Study​

We let the data do the talking. See it for yourself! ​

ribbit fintech ai banking solutions
   

Solutions​

BankVERIFY+​

BankLOGIN+​

BankONBOARD​

BankTRANSACT

AIR  | Affordability Index by RIBBIT

Connect with RIBBIT.ai

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