Palenca
Open banking platform for financial data connectivity and analysis.
Category
Open Banking
Modules where it's integrated
Palenca provides a secure open banking solution that allows you to connect with your customers' financial institutions to access real-time banking data. This integration enables better credit risk assessment through comprehensive financial behavior analysis.
How to use the integration in kiban
- 1
Register on the Palenca platform to obtain API credentials.
- 2
Implement the Palenca connector in your onboarding or origination flow.
- 3
Configure connectors according to the data sources you want to validate (employers, banks, etc.).
- 4
Customize the user experience in the verification widget.
- 5
Perform tests in the development environment.
- 6
Go to production and monitor verification results.
Benefits of using Palenca through kiban
Automated income verification
Connect directly with your customers' income sources like payrolls, gig economy apps and banks to validate their payment capacity.
Enhanced user experience
Allows users to authorize access to their data securely and transparently, reducing friction in the application process.
More accurate credit decisions
By having access to verified real-time income data, you can make better decisions about credit approval.
Fraud reduction
Real-time verification of identity and income significantly reduces fraud attempts in credit applications.
Use cases
- 1
Credit origination processes
- 2
Payment capacity validation
- 3
Customer onboarding simplification
- 4
KYC (Know Your Customer) for regulatory compliance
- 5
Identity verification for fraud prevention
Power your credit decisions today
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