UC is modernising credit assessments with real-time open banking data from Enable Banking. By automating income verification and enriching traditional scoring models, UC enables lenders to make faster, more accurate, and more inclusive credit decisions—while maintaining full control of their data and meeting the highest privacy standards.

CapitalBox, a leading digital lender for SMEs in Europe, partnered with Enable Banking to implement real-time open banking for business accounts. The integration cut application processing times from days to minutes, improved customer experience, and enabled smarter, faster credit decisions—all while boosting operational efficiency and team productivity.

Froda used Enable Banking’s API to significantly increase the speed and accuracy of its risk checks. This resulted in reduced risk for Froda, instant loan decisions for customers and a fairer, more inclusive small business borrowing environment.