{"id":2425,"date":"2021-10-27T22:30:00","date_gmt":"2021-10-27T22:30:00","guid":{"rendered":"https:\/\/basiq.io\/blog\/an-end-to-end-solution-throughout-the-credit-life-cycle\/"},"modified":"2023-11-27T00:41:31","modified_gmt":"2023-11-27T00:41:31","slug":"an-end-to-end-solution-throughout-the-credit-life-cycle","status":"publish","type":"post","link":"https:\/\/www.basiq.io\/blog\/an-end-to-end-solution-throughout-the-credit-life-cycle\/","title":{"rendered":"Leveraging Open Banking throughout the credit lifecycle"},"content":{"rendered":"\n<p class=\"eplus-8TDfRT\">With the Comprehensive Credit Reporting (CCR) regime as well as the proliferation of alternative credit, detailed analysis on a borrower&#8217;s financial viability is more important than ever. Comprehensive, accurate and up to date customer financial data can not only help financial institutions better service borrowers with a positive credit history and a new generation of \u2018borrowers\u2019 but also those going through financial hardship. The rollout of Open Banking under the Consumer Data Right (CDR) alongside the CCR regime mandate the opening up of data needed to enrich credit assessments for a wide variety of lenders.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading eplus-rb8Ajy\">Basiq x Zeal partner to provide enriched credit assessment solutions<\/h2>\n\n\n\n<p class=\"eplus-O4YGu8\">To help more providers take advantage of Open Banking and consumer-consented data throughout the credit lifecycle, Basiq and Zeal Solutions have partnered to provide enriched credit assessment solutions that accelerate customer onboarding with real-time data and improve servicing and decisioning through transaction insights.<\/p>\n\n\n\n<p class=\"eplus-paNlZV\">Since 2006, Zeal Solutions has helped some of Australia\u2019s largest financial institutions manage consumer and commercial credit risk with a suite of products and services across loan originations, collections and compliance. By partnering with Basiq, Zeal is now able to get a live feed of financial data, whether it\u2019s being stored in a bank, fintech or alternative credit provider.<\/p>\n\n\n\n<p class=\"eplus-REXbiO\">Basiq ensures all the data returned is normalised and enriched for insights so that Zeal can help make the best financial decisions on behalf of customers. This includes identification of discretionary versus non-discretionary spend to better assess an applicant\u2019s current financial situation as well as their ability to adjust spending to improve affordability in the future.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading eplus-d02doS\">How they&#8217;re using the Basiq platform<\/h2>\n\n\n\n<p class=\"eplus-95TK4Z\">Specifically, Zeal will use Basiq\u2019s consumer-consented transaction data and insights to:<\/p>\n\n\n\n<ul class=\"eplus-1JhTJp wp-block-list\">\n<li>Accelerate onboarding processes with the ability to instantly understand customer spend and ability to service a loan based on up to two years of transaction data.<\/li>\n\n\n\n<li>Add Personal Financial Management functionality to provide customers with insights into spending and saving patterns.<\/li>\n\n\n\n<li>Provide clients with \u2018Customer Assistance\u2019 tools that help customers repay their debts through informed transaction data.<\/li>\n<\/ul>\n\n\n\n<p class=\"eplus-4xXvKI\">Using Basiq, Zeal Solutions can also provide clients with ongoing visibility into a customer&#8217;s finances. Having real-time, ongoing digital visibility into a customer&#8217;s finance position can assist customers in repayments through tailored payment plans. This extends to automated notices and reminders. Zeal Solutions Digital Collect Ezee system also provides an integrated payment gateway, which combined with their real-time system, provides a powerful solution to increase collection rates.<\/p>\n\n\n\n<p class=\"eplus-evdoFI\">For Zeal&#8217;s CEO, Dion Nathanielsz, financial data is key to revolutionising credit risk management:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote eplus-BCkU0G is-layout-flow wp-block-quote-is-layout-flow\">\n<p>&#8220;Only recently have we started to see the use of alternative data sets in credit performance. The benefits are clear but there\u2019s been little in the market that reflects how powerful financial data can be. We are extremely excited with this partnership as it allows us to execute on these benefits and leverage transactional data insights to improve every aspect of the credit lifecycle for borrowers and lenders.&#8221;<\/p>\n<\/blockquote>\n\n\n\n<p class=\"eplus-QEVaoK\"><strong>Dion Nathanielsz CEO @ Zeal Solutions<\/strong><\/p>\n\n\n\n<p class=\"eplus-kRYIN5\">As the CDR facilitates more Open Banking participation, Basiq will allow Zeal to take advantage of comprehensive, accurate and up to date customer financial data from an even wider set of institutions. For Basiq founder and CEO, Damir C\u0301uc\u0301a, open access to enhanced credit data will reduce the information imbalance between borrowers and lenders whilst helping borrowers through hardship.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote eplus-4bvXtU is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u201cMandated data sharing under Open Banking and CCR make it possible to better differentiate and service customers based on risk. This will ultimately lead to better pricing for low risk customers, more accurate lending decisions and the ability to better assist customers going through financial hardship.\u201d<\/p>\n<\/blockquote>\n\n\n\n<p class=\"eplus-9qQs8K\"><strong>Damir \u0106u\u0107a, founder and CEO @ Basiq<\/strong><\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"eplus-TtmiLQ\">To learn more about Zeal solutions, head to the<a rel=\"noreferrer noopener\" href=\"https:\/\/zealsolutions.com.au\/\" data-type=\"URL\" data-id=\"https:\/\/zealsolutions.com.au\/\" target=\"_blank\"> Zeal website<\/a>.<\/p>\n\n\n\n<p class=\"eplus-ivaBvu\">If you&#8217;re building a fintech solution and need ongoing access to banking data, get in touch with our team to see how Basiq can help <a href=\"https:\/\/basiq.io\/contact\/\" data-type=\"URL\" data-id=\"https:\/\/basiq.io\/contact\/\">here<\/a>.<\/p>\n\n\n\r\n<div class=\"accordion accordion--simple js-scroll-animation\" id=\"accordion\" data-aos=\"child\">\r\n\t<div class=\"accordion-item\">\r\n\t\t<div class=\"accordion-title\">\r\n\t\t\t<h5>\r\n\t\t\t\tArticle Sources\t\t\t<\/h5>\r\n\t\t<\/div><!-- \/.accordion-title -->\r\n\r\n\t\t<div class=\"accordion-header\" id=\"accordion-heading-article-sources69dedd8d53249\">\r\n\t\t\t<button\r\n\t\t\tclass=\"accordion-button collapsed\"\r\n\t\t\ttype=\"button\"\r\n\t\t\tdata-bs-toggle=\"collapse\"\r\n\t\t\tdata-bs-target=\"#accordion-article-sources69dedd8d53249\"\r\n\t\t\taria-expanded=\"false\"\r\n\t\t\taria-controls=\"accordion-article-sources69dedd8d53249\">\r\n\t\t\t\t<strong>\r\n\t\t\t\t\tArticle Sources\t\t\t\t<\/strong>\r\n\r\n\t\t\t\t<strong>\r\n\t\t\t\t\t<span>\r\n\t\t\t\t\t\tRead more\t\t\t\t\t<\/span>\r\n\r\n\t\t\t\t\t<span>\r\n\t\t\t\t\t\tRead less\t\t\t\t\t<\/span>\r\n\t\t\t\t<\/strong>\r\n\t\t\t<\/button>\r\n\t\t<\/div><!-- \/.accordion-header -->\r\n\r\n\t\t<div\r\n\t\t\tid=\"accordion-article-sources69dedd8d53249\"\r\n\t\t\tclass=\"accordion-collapse collapse\"\r\n\t\t\taria-labelledby=\"accordion-heading-article-sources69dedd8d53249\"\r\n\t\t\tdata-bs-parent=\"#accordion\"\r\n\t\t>\r\n\t\t\t<p>Basiq mandates its writers to leverage primary sources such as internal data, industry research, white papers, and government data for their content. They also consult with industry professionals for added insights. Rigorous research, review, and fact-checking processes are employed to uphold accuracy and ethical standards, while valuing reader engagement and adopting inclusive language. Continuous updates are made to reflect current financial technology trends. You can delve into the principles we adhere to for ensuring reliable, actionable content in our <a href=\"http:\/\/docs.basiq.io\/en\/articles\/8461896-basiq-s-editorial-policy\" target=\"_blank\" rel=\"noopener\">editorial policy<\/a>.<\/p>\n\t\t<\/div><!-- \/.accordion-collapse -->\r\n\t<\/div><!-- \/.accordion-item -->\r\n<\/div><!-- \/.accordion -->\r\n","protected":false},"excerpt":{"rendered":"<p>Basiq and Zeal Solutions have partnered to provide enriched credit assessment solutions that accelerate customer onboarding with real-time data via Open Banking along with improved servicing and decisioning through transaction insights.<\/p>\n","protected":false},"author":25,"featured_media":13796,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[13],"tags":[],"class_list":["post-2425","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-customer-showcase"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - 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