B2B. Banks
Data Aggregation
for Individuals
Accumulating and processing income and expense data across various banks and e-wallets
Value Proposition
Cross selling, onboarding and loaning made easy with data from banks, brokers, telecom and loyalty
The customer gives consent
to receiving data from third parties
to receiving data from third parties
The customer selects
the data source from the list
the data source from the list
The data is collected
and displayed to you
and displayed to you
Are the customers willing to share their data?
Customers are willing to share if well motivated
70%
Tailored
products
70% for automated
product tailoring
product tailoring
80%
Loaning
80% for loaning
application
application
50%
Onboarding
50% for a faster
bank switch
bank switch
1,000,000+ customers
have been sharing their data
Is that secure?
Read-only access:
no transactions are allowed
no transactions are allowed
Security audit completed at Tinkoff,
Modulbank, Otkritie and VTB
Modulbank, Otkritie and VTB
Data exchange upon customer’s
consent by accepting the offer
consent by accepting the offer
Top-10 banks have been using
the solution for over 3 years
the solution for over 3 years
The data is safely encrypted
No Staging Customer Data
Case Studies
Challenge
Qualitative scoring is impossible
as the bank is unaware
of a customer’s income
as the bank is unaware
of a customer’s income
Solution
Uploading verified statements from
third-party banks without customer getting involved or leaving the application page
Outcome
Loan Portfolio — ↑15%
Loans Issued — from 3% to 10%
Online loans — ↑50%
Loans Issued — from 3% to 10%
Online loans — ↑50%
Challenge
The financial management data (payment history, budgets, goals) is getting lost while switching between banks
Solution
Transmitting categorised payment history, receipt, budget and goals’ data across various family accounts and financial management apps
Outcome
Increased conversion after switching from another bank’s PFM by 80%
More cases are available on the full,
desktop version of the site
desktop version of the site
Data Aggregation
Projects
Implementation
24/7 support
Stages
- Signing up, payment — 1 month
- Integration — 2 weeks
Data Sources
Banks / Data Aggregation
/ Retail
B2B. Banks
Data Aggregation
for Individuals
Accumulating and processing income and expense
data across various banks and e-wallets
Value Proposition
Cross selling, onboarding and loaning made easy
with data from banks, brokers, telecom and loyalty
with data from banks, brokers, telecom and loyalty
The customer gives consent
to receiving data from third parties
to receiving data from third parties
The customer selects
the data source from the list
the data source from the list
The data is collected
and displayed to you
and displayed to you
Are the customers willing to share their data?
Customers are willing to share if well motivated
1,000,000+ customers have been sharing their data
70%
Tailored
products
70% for automated
product tailoring
product tailoring
80%
Loaning
80% for loaning
application
application
50%
Onboarding
50% for a faster
bank switch
bank switch
Is that secure?
Customer Security goes first
Read-only access:
no transactions are allowed
no transactions are allowed
Data exchange upon customer’s
consent by accepting the offer
The data is safely
encrypted
Security audit completed
at Tinkoff, Modulbank,
Otkritie and VTB
Top-10 banks have been using
the solution for over 3 years
No Staging
Customer Data
Customer Data
Case Studies
Challenge
Qualitative scoring is impossible
as the bank is unaware
of a customer’s income
as the bank is unaware
of a customer’s income
Solution
Uploading verified statements from
third-party banks without customer getting involved or leaving the application page
third-party banks without customer getting involved or leaving the application page
Outcome
Loan Portfolio — ↑15%
Loans Issued — from 3% to 10%
Online loans — ↑50%
Loans Issued — from 3% to 10%
Online loans — ↑50%
Challenge
The financial management data (payment history, budgets, goals) is getting lost while switching between banks
Solution
Transmitting categorised payment history, receipt, budget and goals’ data across various family accounts and financial management apps
Outcome
Increased conversion after switching from another bank’s PFM by 80%
Challenge
Complicated switch between
investment apps
investment apps
Solution
Importing deals history
from the previous broker
from the previous broker
Outcome
-
The new customer gets activated
instantly on the signup date -
Saturated CRM data helps
increase sales by 20% - Increased ARPU and LTV
- Increased conversion by 15%
Challenge
Customers get lost in the
number of services offered
number of services offered
Solution
Automatic matching based on the customer’s transaction history
Outcome
Increased conversion up to 30% by offering more favourable conditions
Data Aggregation Projects
Previous
Next
Implementation
24/7 support
Stages
- Signing up, payment — 1 month
- Integration — 2 weeks
Previous
Next
Data
Sources
- 30+ banks
- 5+ brokers
- 4 telecom providers
- 5+ loyalty programmes
- Sberbank
- VTB Bank
- Alfa Bank
- Tinkoff Bank
- MTS
- Megafon
- TELE2
- Beeline
- Tinkoff Investments
- Sberbank Investor
- VTB My Investments
- BCS My Investments
- Magnit
- Pyaterochka
- Globus
- Dixy
Learn more about
your benefits
