Fiinu Technology generates revenue by licensing our Plugin Overdraft® platform to banks.
Driving Innovation in Fintech & Data Intelligence
Personal Finance Management app with integrated Plugin Overdraft®
Our proprietary transaction tagging technology will analyse the user’s spending into categories, providing an automatically updating, consolidated view of their financial lives. We collect anonymised transactional banking data with our Open Banking enabled app with integrated Plugin Overdraft, allowing users to benefit from intelligent cost-saving nudges relating to their connected bank accounts, credit cards or store cards in one secure place.
Data Aggregation
Aggregating transactional banking data. Our data aggregation module will sort any transactional banking data which can be used for specific purposes including near-live monitoring of retail customers’ creditworthiness or changing affordability circumstances. Alternatively, you will be able to bring your own transactional banking data, which our module will aggregate for you.
Data Enrichment
Enriching transactional data. We will have a module to enrich any aggregated data. We can provide hedge funds, investors, lenders and policy makers unique set of enriched transactional banking data. We will use various advanced programming tools including artificial neural networks, machine learning and contextualisation, to help you to get clear data enrichment.
Data Insights
Our transactional alternative data insights will help you in various different ways. It can help you to discover patterns or relationships from source data between variables that you didn’t previously know existed. The source transactional retail banking data gives us unique insights into macro and microeconomic trends and patterns. Our data insights sets will be used mainly by investors, hedge funds, retailers, venture capital and policymakers.
Credit Underwriting
Our retail credit underwriting module will provide you with a pre-configured, near-live overview of the customer’s financial health. The solution will use agile processes to adapt to changing customer behaviour and it can be used for all credit underwriting purposes, including creditworthiness and affordability assessments.