Improve Credit Decisions with Transactional Intelligence
Use transactional data and AI to assess cash flow, risk, and repayment capacity with greater precision and in real time, enabling you to offer timely funding to your clients exactly when they need it — whether you are a lender, underwriter, or alternative credit provider.
Solving Problems at the Core.
For lenders, underwriters, and alt-credit providers
Outdated statements don’t show how your clients operate daily. You lack insight into your client’s day-to-day financial behavior, leading to missed opportunities to increase limits or approve funding when it matters most.
Heartbeat ingests bank data and produces real-time behavior signals using cash-flow patterns.
Halcom has been a cornerstone of digital banking in Europe for decades, known for delivering secure, scalable, and innovative financial solutions. Our partnership with Halcom goes beyond technology alignment — it secures access to terabytes of fully anonymized transactional data, enabling us to build advanced AI models that can detect early signs of default, continuously monitor company cash flow, and provide unmatched real-time insights into business behavior.
Security and privacy are at the core of this collaboration. All data is processed only with the explicit consent of banking clients, ensuring compliance with the highest regulatory standards. With the upcoming PSD2 framework set to further streamline data access across Europe, this partnership positions us to redefine how financial institutions and their clients benefit from transactional intelligence — making banking smarter, faster, and more transparent than ever before.
Features
Our platform is built to simplify, secure, and supercharge your financial journey. Whether you're managing personal budgets or running a business, our features are designed to give you full control with zero complexity.
on cash-flow patterns
transactions
behavior signal to track
PDF report for executives
Who is for it?
Make Smarter Credit Decisions. Faster.
Leverage real-time transactional data and advanced analytics to assess risk, improve accuracy, and approve credit with confidence.
Whether you're curious about our products, need technical support, or just want to say hi we’re here for you. Reach out and let’s start the conversation.
Send us a message and our team will get back to you within 24 hours. We’re here to support your financial growth and digital journey.