Products

With Atto, make better risk decisions across the entire customer lifecycle.

Smooth, clean, secure connect journey

A guided user-interface to capture consent, verify and connect to bank accounts, and share transaction data.

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Data APIs

Access to normalised and enriched bank statement data that can be integrated into your own systems

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Welcome to the most up-to-date data dashboard

See what your customers are spending, saving and earning today with Atto.

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Atto insights

Understand how your customer’s spend, save and earn their money with real-time insights.

Affordability

Assess how much customers can afford to repay. Use enriched data to identify income and fixed vs. flexible spend.

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Income verification

Verify how much customers earn across all income streams, whether it's salaried wages, freelance earnings or benefits.

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Categorisation & classification

Cut through the noise of a bank statement with insights on how and where customers spend their money.

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Emerging financial distress

Identify emerging financial distress before a customer defaults for early intervention.

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SME financial health

See the balance trend of an SME's accounts with a view on income, stability and fluctuations.

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Browse our solutions

What our customers say

“Working together, Atto’s Connect widget and Shieldpay's payment engine allow customers to transfer funds online with digital escrow and trust services. The combined service will bring seamless identity verification during transfers, streamlining the customer experience without sacrificing any measure of security. Bringing customers a frictionless payments journey at every step.”

Shieldpay

Multi-award winning payment platform

“Underwriters can confidently produce quicker and more detailed analysis. Customers receive speedier decisions with reduced intrusion/inconvenience. Dealer receives quicker decision - increased satisfaction. Everyone wins with the new process.”

Global vehicle manufacturer

Automotive financing

“In working with Atto, we can give the underwriter a much more detailed and understandable view of a customer’s financial profile.”

Target Group

Multi-award winning payment platform

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

Frequently asked questions

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What is open banking and how does it work?

Open banking is the practice that allows people and businesses to share up to 12 months of transaction data. Atto is regulated by the Financial Conduct Authority as an Account Information Service Provider (AISP) - the intermediary who safely facilitate this process.

What is transaction categorisation?

Transaction categorisation is the process of adding context to raw transaction data. The process gives you an understanding of what your customers' spend their money on and where.

How does bank account verification work?

Using the API, A matches the details provided from your customer to those on their account. We apply a set of sophisticated algorithms and rules to verify the name, and then tell you what does and does not match.

How do you verify income with open banking?

After a customer shares their data, Atto identify recurring credits to the account and group these. Using an algorithm we identify the monthly income for each income stream. We then return the calculated income and confidence score to you.