✓ 99,5% Bank Coverage      ✓ More than 5000 Banks      ✓ 100 Mio. Bank Accounts

✓ 99,5% Bank Coverage      ✓ More than 5000 Banks      ✓ 100 Mio. Bank Accounts

One-Stop-Shop: Transactiondata, Categorization and Data Analytics

One-Stop-Shop: Transactiondata, Categorization and Data Analytics

Banking API & Data Analysis

Banking API & Data Analysis

A ONE-STOP-SERVICE IN CREDIT ASSESSMENT

Access to Account (xs2a)

One API fits all relevant Banks

Transaction Categorization

Self-lerning algorithm guarantees highest reliability

Data Enrichment through risk characteristics

Identificiation of characteristics to reduce fraud and credit risk

FEATURES

Accourate Banking API

BANKING-API

accourates’ Banking API enables applications to connect with users’ bank accounts. You will not only receive account information but also balances, transaction data and many more detailed information. Implementation can be done via REST or Javascript implementation.

Kategorisierung mit accourate

DATA ENRICHMENT

As part of the game accourate categorizes the revenue and expenditure stream of your consumers transaction data. As a result accourate enables you to process realtime decisions in your own systems.
Our categorization model will be enhanced permanently through an own internal team at accourate as well as by the usage of modern machine learning approaches.

Cashflow Analyse mit accourate

TRANSACTION DATA ANALYSIS

As soon as transaction data had been gathered and enriched accourate analyses the given turnover data. In this step accourate focuses on a quick view on the financial picture and wellness of the consumers financial situation. Therefore accourates outcome is not only about cashflow analysis but also on charagebacks, seizure information and budget surplus as well as many more.

Haushaltsrechnung mit accourate

DIGITAL ACCOUNT CHECK

Use our service to gain access to digital consumer data captured in the consumers online banking account to build a budgeting overview and therefore decide on his ability to pay back.

SALARY & CONSUMER REPORT

accourate offers standardized reporting functions to enable fast driven view on the financial wellness of a consumer without any deep integration into your systems.

The salary report gives you an overview on all incoming salary payments, as well as the respective employer with additional information as industry, address as well as further details.
accourates’ consumer report is close to the approach of a personal finance management app and therefore gives you a financial overview of the consumer, his cashflow, revenues and spendings as well as additional details just within one document.

Data Formats

DATA FORMATS

For easy usage within your application accourate delivers the results in different data formats like JSON, CSV or PDF, depending on the type of request.

accourate international approach

INTERNATIONAL APPROACH

We are serving our banking api to consumers in Germany, Austria and Spain. More countries are to come within the next month. Get back to us if you need more information.

DIFFERENCE TO TRADITIONAL BANKING-SERVICE-PROVIDER

API

Highest service level through In-House development
more than 10 years of experience

Internationalization

Live in
DE | AT | E
Upcoming countries
BE | CH | FR | IT | NL | UK

User-friendly

Bank specific login labels
Complete bank coverage

WER PROFITIERT VON UNSEREN LÖSUNGEN?

Credit Institutions

Loan application processes are not yet fully digitalized. Cumbersome credit checks and long-winded offline processes result in massive conversion loss.


accourate automates and optimizes these steps for your consumers – fully digital seamless without discontinuity of media.

Fintechs

The core competence of many fintech based products is the processing of bank account information. This covers a wide spectrum from payment systems, banking services to debt collection and factoring companies.


accourate delivers tailor-fit financial analyses of your consumer.

Payment Service Provider

In eCommerce retailer and consumer often face conflicting goals. Payments such as direct debit, invoice or installment payment are only used in certain segments due to the higher default risk.


accourate helps PSPs to minimize credit risk and to further develop other segments.

+ 99,5

BANK COVERAGE

+ 5.000

BANKS

+ 100 MIO.

BANK ACCOUNTS

USE CASES

Realtime Lending

Through our digital bank account check, we enable automated and fully digital loan decisions.

Secure Payments

Minimize fraud and credit risks for direct debit, pay-later and installment payments, by using payment relevant risk features.

Online Bank Transfer

Differentiate yourself with a White-Label online transfer system in your own look & feel.

Personal Finance Management

One-Stop solution for multibanking and categorization.

Receivables management

Be flexible and provide a debtor management adapted to your debtors.

Debt restructuring

Advice and help your customers with their debtor situation and offer them an optimal customer care.

FINTECSYSTEMS @ FINOVATE 2017

Seamless Javascript Widget Integrationen ermöglichen einen schnellen und automatisierten Ablauf des accourate-Prozesses in Ihrem Look & Feel, ohne großen Entwicklungsaufwand.

Die REST API integriert accourate in Ihre Systeme, Sie erstellen und kontrollieren die GUI Ihrer Anwendung nach unseren inhaltlichen Vorgaben.

DATA SECURITY

Highest Security due to certified data center

Consumer data is only stored in german-based data centes – ISO27001 certified

SSL secured data transmission – double encrypted credentials

Accourate complies with the strict German Federal Data Protection Act

PCI DSS Certification

Known from