Jaja Finance has partnered with open banking specialist D•One to improve how it assesses credit applications using consumer transaction data.
The partnership is designed to support more inclusive lending decisions by enabling Jaja to gain deeper insights into a borrower’s financial health—beyond traditional credit scores.
Through this collaboration, D•One will provide Jaja with connectivity to open banking platforms and intelligent transaction categorisation. This will allow Jaja to build a more accurate financial picture of each applicant, ultimately helping consumers who might otherwise be excluded from mainstream credit options.
With D•One’s enriched data, Jaja can incorporate banking information directly into its credit decisioning process. This allows for better affordability assessments, improved income verification, and clearer insight into customer behaviour—helping to drive more accurate and responsible lending outcomes.
D•One managing director Tim Kelleway said, “Jaja is leveraging our enriched dataset to better understand financial behaviours and bring about more inclusive and sustainable lending decisions. This past year, we’ve seen a huge engagement with our proposition, and we’ve signed up some of the UK’s most successful fintechs. The work we are doing here with our lender partners is undoubtedly changing the shape of credit decisioning in the UK, for the good of lenders and consumers.”
Jaja CEO Francesco Di Costanzo said, “Partnering with D•One to enhance our open banking offering is not just a strategic move for Jaja; it’s a commitment to offering our customers simple, fair and efficient credit. This partnership is the next step in demonstrating our dedication to innovation and inclusivity.
“At Jaja, we continuously explore new data sources and innovative approaches to better serve our customers. Leveraging D•One’s capabilities with our advanced analytics and risk models marks another milestone in transforming credit analytics for their benefit.”
D•One’s ability to mine hidden indicators from transaction records—both positive and negative—enables lenders to better differentiate applicant risk levels. This insight allows up to a 60% reduction in arrears without affecting overall lending volumes.
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