Identify
Establish the customer's identity and relevant financial profile.
Why organizations & businesses choose BorderCredMake Better Decisions With
Make Better Decisions With
Better Financial Context
BorderCred helps institutions understand customers beyond borders by connecting verified identity, financial history, credit behaviour, and actionable insights in one place.
Credit PassportA Complete Financial Identity
A Complete Financial Identity
Across Borders
Credit Passport gives financial institutions a broader view of a customer's financial identity by bringing relevant financial history, behavioural signals, and credit information together across markets.
How It Works
Connect
Bring together available financial information from relevant sources and markets.
Match
Associate financial records with the appropriate customer profile.
Translate
Convert foreign financial information into structured, understandable data.
Analyse
Evaluate financial behaviour and relevant credit factors.
Build the passport
Present the resulting financial information and insights as a more complete customer credit profile.
API ManagementConnect BorderCred to the
Connect BorderCred to the
Systems You Already Use
Add identity, financial history, and credit signals to your product without standing up a separate stack for every market.
How It Works
Connect
Connect your existing platform to BorderCred through our API infrastructure. Whether you're building a lending platform, credit assessment system, mortgage workflow, or fintech product, BorderCred can become part of the technology stack behind it.
Request
Your system sends a request to BorderCred when financial or credit information is required. The request can contain the information needed to identify a customer or initiate a specific assessment.
Process
BorderCred processes the available financial information, applying its data translation, matching, behavioural analysis, and credit assessment capabilities.
Receive
The resulting insights are returned to your system in a structured format that can be used within your existing workflows.
Act
Your team or application can use those insights to support customer assessment, risk analysis, credit decisions, or other financial processes.
Scale
BorderCred processes the available financial information, applying its data translation, matching, behavioural analysis, and credit assessment capabilities.
Financial HistoryBring More of the Customer's
Bring More of the Customer's
Financial History Into View
BorderCred helps institutions access, structure, and understand relevant financial history across markets, providing greater visibility into a customer's financial position.
How It Works
Collect
Relevant financial information is obtained from available connected sources.
Match
Financial records are matched to the appropriate customer.
Translate
Foreign financial information is converted into a structured format that can be understood within the receiving market.
Organize
Relevant financial history is structured to make it easier to interpret.
Analyse
Patterns and signals within the financial history are evaluated.
Deliver
The resulting information can be surfaced through BorderCred's platform or APIs.
Mortgage risk assessmentA Broader View for Mortgage
A Broader View for Mortgage
Risk Assessment
BorderCred helps mortgage institutions assess customers using broader financial information, behavioural signals, and credit factors, particularly when a customer's financial history extends across borders.
How It Works
Verify customer identity
Establish and match the customer's identity with available financial information.
Gather Financial History
Bring relevant domestic and foreign financial information together.
Analyze Financial Behavior
Review available income, spending, cash-flow, and repayment patterns.
Evaluate Credit Factor
Assess relevant signals that contribute to understanding the customer's credit profile.
Generate Credit Insight
Transform the information into structured insights that can support the mortgage assessment.
Support the Decision
Deliver the resulting information to the institution's existing assessment workflow.
LET'S TALK
Ready to build a better way to assess credit?
Tell us about your institution, your lending workflow, and what you're looking to achieve. Our team will help you explore how BorderCred can fit into your credit assessment process.
Talk to Us About Your Credit-Passport Needs
We're here to help. Tell us what you need, and our team will get back to you with the right support and answers.