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UK – TruNarrative announce Accountscore integration with partnership agreement

By - 21. April 2020

AccountScore is to integrate open banking connectors onto TruNarrative’s platform, enabling risk and compliance teams to integrate affordability scores to aid onboarding and monitoring of customers.

AccountScore currently provides their open banking APIs and platform to financial services companies, tenant reference agencies and telecommunications companies, allowing them to verify information such as customer salary amount, affordability and identity, a process that has historically involved the submission of paper documents and manual validity checks.

Open banking data is permissioned access to consumer or business banking data for the purposes of risk assessment, compliance and fraud detection. This helps regulated businesses such as lenders or gaming operators comply with their obligations for onboarding and transacting with their customers.

The partnership means TruNarrative customers now have access to the information they need to help affordability decisions in real time via the TruNarrative API.

Die Prüfung anhand von Open-Banking-Daten kann den Unterschied zwischen der Übervergabe eines Kredits oder der korrekten Gewährung von Krediten an Personen mit unzureichendem Bankkonto ausmachen. Erschwinglichkeitswerte sind auch eine wichtige Anforderung, die von der britischen Glücksspielkommission an Glücksspielunternehmen gestellt wird, um die Fürsorgepflicht gegenüber ihren Kunden zu gewährleisten.

The TruNarrative platform delivers financial crime detection, customer onboarding and transaction monitoring to financial services, e-commerce businesses and gambling operators using a customisable decision engine and an App Store of over 50 third-party data providers and service integrations.

Die Open-Banking-Daten von AccountScore werden in der KI-gesteuerten Plattform von TruNarrative gespeichert und ermöglichen eine Anreicherung durch die verschiedenen Verifizierungsdatenquellen von Drittanbietern im TruNarrative App Store, wodurch Unternehmen eine umfassendere Kundenansicht erhalten, die sowohl automatisierte als auch manuelle Entscheidungen erleichtert.

Emma Steeley, CEO of AccountScore, commented: “We are proud to be joining forces with TruNarrative in order to enable them to deliver cutting-edge Open Banking solutions to their clients.

“From income verification and affordability, to source of funds and identity verification, our partnership delivers a solution that provides multiple sectors the opportunity to take full advantage of the UK’s Open Banking framework coupled with our market leading analytics.”

Die Entscheidungs- und Workflow-Plattform TruNarrative ermöglicht Entscheidungen auf granularer Ebene über Kreditauskunfteien, biometrische Daten, Adressen, Dokumentenüberprüfungen und jetzt auch Open-Banking-Daten.

Constantly changing regulatory environments and market conditions, such as those imposed by the current COVID-19 emergency, mean businesses need instant access to valuable data, and importantly, the ability to make quick changes to onboarding and monitoring processes.

Die Verwendung der Open-Banking-Daten von AccountScore über TruNarrative erleichtert dem Kunden eine reibungslose Reise, erhöht die Sichtbarkeit und senkt die Betriebskosten für Unternehmen.

Adam Doyle, Head of Gaming at TruNarrative, explained: “This is a relationship that I am truly excited about. As regulatory requirements shift increasingly towards the inclusion of affordability scoring, this partnership provides businesses with the much needed ability to monitor and protect customers throughout their entire lifecycle, whilst minimising impact on the customer experience.

“And importantly, in this unprecedented global situation, ensuring players aren’t stretching themselves in testing times is essential for continuing to provide a safe environment for users of online services.”

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