Add a reusable financial intelligence layer without replacing the core.
Open Banking data is only useful when it is normalised, categorised and converted into stable, explainable features. Goscore packages that layer so product and risk teams can test new lending workflows without rebuilding transaction logic each time.
Expose reusable financial features through a narrow API/decision layer. Keep the core LOS, scorecard and system of record untouched while you test one production-adjacent use case.
Every new lending experiment can become another data project: connect accounts, clean merchants, classify income and expenses, calculate affordability, document features, then integrate into existing decision systems.
Make the conversation numerical immediately.
Goscore figures were gathered during pilot implementations and production lending use cases. They are specific to those portfolios and policies; results vary by lender, policy and implementation. Goscore Intelligence can operate across the Nordics, the EU, the US and Canada.
This is easier to justify in 2026 than another generic innovation project.
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01
Banks are modernising data architecture while looking for concrete, governable uses of AI and automation.
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02
European AI and consumer-credit rules increase the value of traceable data lineage and explainable inputs in credit workflows.
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03
A modular intelligence layer lets you experiment without asking the bank to switch its loan-origination platform or core scorecard.
Scope a 2-week data proof
Pick one lending journey and a representative sample payload. We map required data, outputs, governance and integration boundaries, then define a proof that can be killed or expanded quickly.
Start this test →Small enough to approve. Specific enough to kill.
Boundary
Choose one journey and keep core systems unchanged.
Payload
Map the minimum consented data and expected outputs.
Proof
Run enrichment, affordability and risk features on a sample.
Integrate
Only expose the features that pass accuracy and governance checks.
Financial Intelligence
The foundation underneath every Goscore use case: consented Open Banking data, enrichment, categorisation, income and expense analysis, affordability indicators and risk features exposed through APIs and decision flows.
- 01Normalise and categorise transaction data
- 02Verify income and recurring obligations
- 03Calculate behavioural affordability and risk indicators
Scope a 2-week data proof
Pick one lending journey and a representative sample payload. We map required data, outputs, governance and integration boundaries, then define a proof that can be killed or expanded quickly.