Wrisk, an embedded insurance provider, has acquired Atto, a real-time financial intelligence platform specialising in open banking-driven credit insights, as the group looks to deepen its embedded finance and protection capabilities across enterprise customer journeys.
The acquisition is designed to bring financial intelligence further upstream into Wrisk’s platform, enabling decisioning and execution to operate within a single integrated layer. While the strategic rationale has been clearly outlined, the value of the deal has not been disclosed.
Wrisk focuses on enabling insurance to be embedded directly into digital customer experiences, particularly within the automotive sector. The company works with leading original equipment manufacturers (OEMs) to integrate insurance and protection products into vehicle purchase and ownership journeys, supporting a more seamless experience for end customers while ensuring regulatory compliance through its established operating framework.
Atto, meanwhile, provides real-time financial intelligence that supports credit scoring, income verification, affordability assessment and behavioural insight using open banking data.
Its platform allows enterprise partners to make context-aware credit and risk decisions within live customer journeys, delivering insight based on transactional behaviour rather than relying solely on static credit bureau data. Atto’s technology is already used by large enterprise clients across both automotive and non-automotive sectors.
By combining the two platforms, automotive brands and other enterprise partners gain increased flexibility in how finance and protection propositions are designed and delivered. The integration allows decisioning and execution to sit together, reducing reliance on multiple disconnected tools and vendors, while enabling more responsive and personalised customer journeys.
The transaction also strengthens Atto’s ability to scale. Through Wrisk’s established OEM relationships, delivery capability and regulated framework, Atto’s open banking-driven intelligence can be deployed more rapidly across new markets and additional use cases. Despite the acquisition, Atto will continue to operate as a dedicated product and team within the Wrisk group, retaining ownership of its roadmap and existing client relationships across sectors.
Wrisk CEO Nimeshh Patel said, “Atto has built a credible financial intelligence and credit scoring platform with real-world enterprise use. Joining Wrisk allows us to combine that intelligence with a delivery layer that serves brands and other partners at scale. Together, we can better support customer journeys that span finance, insurance and protection seamlessly.”
Atto strategic programme advisor Rob Knight said, “Joining Wrisk represents a natural next phase in Atto’s growth. We have proven the value of open banking–driven credit intelligence with enterprise clients, and Wrisk brings the regulated operating framework and delivery capability required to deploy that intelligence at scale. Together, we can embed credit decisioning, affordability, and actionable insight directly into live finance and protection journeys.”
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