Pushing the limits of credit and risk decisioning

Lightspeed data in real-time.

Get in touch

Creating a more predictable future for lenders

As a pioneer in open banking technology, we know through hard-earned experience that the fabric of credit and decisioning has it holes.

Every second around the world, thousands of decisions are informed by static scores and historic data that is helpful - but incomplete.

Last month's data is history

At Atto, we provide instant insights into the financial behaviours of borrowers through real-time transaction data. This gives lenders a deeper understanding of their customer's spending, saving and earning.

This allows for more confident decisions, more accurate predictions and more profitable portfolios.

Driven by pioneers

Atto was the creator of the world's first AISP integration, driving a mission to create a fairer and more efficient credit risk process for businesses and consumers who are underserved by the financial system.

Today, our team of credit risk specialists, data scientists, tech builders and product managers continue to work passionately to improve credit and risk processes for everyone.

Our leaders

Contact us

What our team members say

DirectID began working with Target at the beginning of 2020 to provide open banking data for their new Mortgage Hub. It is the first digital mortgage platform to be designed from the ground up, and the first to use open banking data as the backbone for customer experience.

Jawad Ahmed

Head of Engineering

DirectID began working with Target at the beginning of 2020 to provide open banking data for their new Mortgage Hub. It is the first digital mortgage platform to be designed from the ground up, and the first to use open banking data as the backbone for customer experience.

Nicola Dunn

Business Development Director

DirectID began working with Target at the beginning of 2020 to provide open banking data for their new Mortgage Hub. It is the first digital mortgage platform to be designed from the ground up, and the first to use open banking data as the backbone for customer experience.

Liam Thomson

Senior Marketing Manager

Get started using open banking data

Talk with one of our specialists to find out more about using open banking data.

  • Demo of the guided customer consent journey

  • Walk through of our real-time data & insights

  • Coverage check in your markets