About Yapily

Yapily is a London-based open banking platform that provides an API solution for accessing financial data from banks and financial institutions across Europe.

Yapily enables businesses to build and scale financial products that are powered by real-time bank data, including services for payments, lending, personal finance management, and more.

Yapily’s platform aggregates account information, transaction data, and payment initiation, allowing developers to create innovative financial solutions.

The platform supports banks and fintech companies looking to offer new products or enhance existing ones by leveraging open banking data.

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86-90 Paul Street, London, England, EC2A 4NE.

Website

yapily.com

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@Yapily

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Many lenders blame late payments on “bad borrowers,” but the real problem is often hidden in the data they overlook. This article explains why your default rate is higher than it should be and highlights five powerful data points, often ignored by lenders that can dramatically improve underwriting accuracy, borrower monitoring, and repayment performance.

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3 alternative data to credit report for enhancing underwriting quality

Traditional credit reports can give lenders useful insights into a borrower’s financial history, but they do not always tell the full story. Alternative data can help lenders assess borrowers with limited or incomplete credit histories and make more informed underwriting decisions. In this article, we explore three types of alternative data lenders can use to strengthen credit assessment, improve risk evaluation, and make better lending decisions.

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A borrower’s right to data privacy is not negotiable

A borrower’s right to data privacy is not negotiable. Nothing gets your heart racing several miles per minute like the chance that you may not recover your loans, but that fear can never justify invading a borrower’s privacy. Responsible lending means collecting only the data you truly need and nothing more. Borrowers privacy is a fundamental right, and it must never be compromised.

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