Credit scoring with open banking: how to assess thin-file borrowers
How lenders use open banking account data to assess income, expenses and affordability for borrowers with little credit history – process, data, risks and rules.
Andrius Stitilis
Lending technology specialist, Finsora
Andrius Stitilis works on lending software, system integration and AI at Finsora (UAB Finsora). He writes about how lenders can launch products faster, automate credit decisions and operations, stay compliant and grow online.
Articles by the author
Credit scoring and decision engine
Loan management software
How to choose loan management software: 12 criteria for lenders
A practical guide to choosing loan management software: product flexibility, automation, integrations, compliance, security, reporting, migration and total cost.
Compliance and regulatory reporting
CCD2 for lenders: what changes from November 2026 and how to prepare
The revised EU Consumer Credit Directive (CCD2) applies from 20 November 2026. What changes for lenders and BNPL providers, and how to prepare processes and systems.