Turn your transaction data
into credit decisions
you can trust.
We turn raw transaction data into insights you can ingest directly into your decisioning, surface back to your customers, or inform your business strategy.
Three products, from categorisation to per‑applicant risk curves
We work with bank transaction data - direct from current accounts, via Open Banking, or from bank statements.
Transaction categorisation
A risk-focused taxonomy built by underwriters for typical lending use cases. Daily transaction annotation to stay live to changes. Accuracy improvement against credit-crucial categories.
Transaction insights
Ready-to-use income, housing, risk and indebtedness blocs, computed from our granular categorisation taxonomy. To power nuanced income verification and affordability checks.
Dynamic risk scoring
Our RiskIntel score shows how risk builds month by month - so you can safely accept more good customers whilst also reducing bad debt. Monthly forecasts across a 1- to 18-month horizon.
Transaction categorisation
A risk-focused taxonomy built by underwriters for typical lending use cases. Daily transaction annotation to stay live to changes. Accuracy improvement against credit-crucial categories.
Transaction insights
Ready-to-use income, housing, risk and indebtedness blocs, computed from our granular categorisation taxonomy. To power nuanced income verification and affordability checks.
Dynamic risk scoring
Our RiskIntel score shows how risk builds month by month - so you can safely accept more good customers whilst also reducing bad debt. Monthly forecasts across a 1- to 18-month horizon.
See it work on your own portfolio
A retrospective test built around your objectives - to assess the true value of our products for your business.
Send a data sample
With clear scope agreed, send us your historical sample - current accounts, Open Banking, or bank statements - via our secure SFTP.
Presentation of findings
Depending on use case, we can categorise, enrich or score your sample - then walk you through the impact we can have.
Transaction data is the sharpest read on a customer you can get in 2026.
Thin files
For customers with thin or no Credit Reference Agency history, transactions turn an unscoreable applicant into a confident decision.
Thicker files
Even on rich files, transactions move first: affordability shifts and risk emerges months ahead, for earlier limit management.
Built for a moving target
Dedicated annotators review live data daily, so categorisation stays accurate as behaviour shifts.
Obsessed with transaction data
Reading what transactions mean for credit risk isn't a feature for us; it's the whole company.
Full circle
Not only have we been the excluded customer, we've also lent to this customer; we take the responsibility of getting this right seriously.
Compliance, by design
FCA-authorised CRA & AISP
An FCA-authorised Credit Reference Agency and Account Information Service Provider. Permissioned access only - every byte tied to a live consent.
Model bias monitoring
Every model evaluated against protected-characteristic proxies before release, with monthly drift and adverse-impact reports.
Personal data, safeguarded
Fully committed to safeguarding personal data, with technical and organisational measures preventing unauthorised access or loss. All data-subject requests handled quickly.
Consumer Duty aligned
Outputs evidence good customer outcomes, foreseeable-harm prevention and affordability - slotting into your Consumer Duty controls, MI and board reporting.
CONC 5.2A aligned
Scores surface key risk indicators that could cause harm - lack of current income, high-risk gambling, recent short-term credit, inability to meet commitments. Safeguarding customers and lenders.
Cyber Essentials certified
Certified under the UK government-backed Cyber Essentials scheme. ISO 27001:2022 certification is actively in progress, targeted for September, with independently audited controls already operating to standard.
Frequently asked questions
We are an FCA-approved Credit Reference Agency, built for today. Noggin uses banking transaction data to give a real-time view of a customer's financial health - income, spending, and cash flow. Unlike traditional CRAs, which focus on past borrowing behaviour, we assess risk based on a customer's current financial situation, identifying current risks such as problematic gambling, recent employment changes, or an inability to meet financial commitments - enabling better decisions and fairer outcomes.
We use transaction data to produce trusted risk scores, helping lenders deliver better outcomes by offering fairer price and value, while reducing foreseeable harm. This means higher approval rates and lower risks.
By using Noggin HQ's risk score, most recent backtests have shown an uplift of 15.7% on approval, with reduced risk of default.
As an FCA-regulated Credit Reference Agency, we are also registered with the ICO as a Data Controller. As a Cyber Essentials accredited organisation, Noggin HQ maintains robust security measures, demonstrating our commitment to safeguarding personal data.
Approximately 30% of credit applications* use falsified documents to increase affordability. Our Open Banking transaction categorisation accurately identifies income paid directly into an individual's bank account, eliminating the risk associated with manual documentation. (*CIFAS Fraudscape 2025)
Our detailed transaction categorisation is designed to identify income from recognised, verified sources. By flagging unusual or unexplained income patterns, we can assist partners in identifying suspicious activity.
Our transaction categorisation identifies income, making Noggin's product ideal for lenders (including mortgage providers), rental referencing, gambling, legal and conveyancing, credit card providers, and aggregators.
Yes, Noggin can process traditional bank statement data using the same categorisation as Open Banking. However, for enhanced fraud prevention and best outcomes, we recommend using the Open Banking method.
Book a call. See what we see.
Grab a 30-minute slot that suits you and we'll scope a retro built around your objectives - typically ~10 working days from sample to debrief.