BNPL, consumer credit, SME lending — underwrite on real cash flow, not proxies alone.
Bureau scores and payslips miss gig workers, young professionals, and thin-file SMEs. StixBNK lets credit teams ingest permissioned bank data, run cash-flow analytics, and price risk with signals that update as the borrower’s life changes — then fund in minutes when policy allows.
Use case 1
Alternative credit scoring
Limits of traditional files
Lag between behaviour change and bureau refresh
Thin or invisible files for freelancers and immigrants
Stated income vs. observed affordability gap
What StixBNK unlocks
With explicit consent, analyse inflows, fixed obligations, volatility, and incident patterns directly from transactional data — then blend with your existing scorecards.
Data typically reviewed
Salary, invoices, and recurring credits
Stability of net cash flow month to month
Rent, utilities, BNPL, and other fixed drains
Returned payments, gambling spikes, or stress signals
Illustrative API surface
/transactions/analyze/scoring/calculate
Impact
↑ approvalCreditworthy thin-file applicants
↓ defaultsEarlier detection of stress patterns
Use case 2
Instant loan origination
Compress the journey from days to minutes: connect bank → run policy engine → issue a personalised APR and limit → e-sign → disburse. StixBNK feeds the data layer; your credit committee owns cut-offs, fair-lending compliance, and model governance.
Flow
Applicant opts in to open-banking verification.
StixBNK retrieves and normalises transactions in near real time.
Scoring service returns grade, limit, and price.
Offer rendered in-app or on web.
Digital signature and instant funding path (where regulations permit).
Impact
Days → minTime-to-cash for straight-through cases
UXFewer document uploads and manual reviews
Credit decisions remain your regulated responsibility. Use open banking as an input — not a substitute for affordability rules, GDPR bases, or consumer-duty requirements.
