Question: I'm looking for a system that can help me with credit scoring and lending decisions using real-time financial data, do you know of any?

For a system that can help with credit scoring and lending decisions based on up-to-date financial information, Perfios is a good choice. It's a suite of solutions for consumer lending, SME lending and more, using artificial intelligence and machine learning to process thousands of data points in real-time. The system includes features like real-time analysis, document verification and fraud detection, making it a good option for financial institutions looking to improve risk assessment and decision-making.

Another good option is Envestnet | Yodlee, a major financial data aggregation platform. With access to more than 17,000 data sources around the world, it can give companies a detailed view of customers' financial lives. The platform can be used for credit and lending, for example with alternative credit data, AI-powered financial experiences and transaction data enrichment. That can be particularly useful for lenders trying to reach a wider population and improve underwriting.

Nova Credit is another good option. It's a single interface to draw on alternative credit data from 26 sources, including international credit bureaus and bank data aggregators. The system is designed to help businesses scale onboarding and underwriting, and it offers products like Cash Atlas to assess credit risk and Income Navigator to automatically verify income. Nova Credit can help lenders approve more applicants with confidence and reduce fraud, and it's a good option for lenders trying to reach a wider population.

For a full financial data foundation, Flinks offers secure connections to bank accounts and processes transaction data into usable information. Its Connect service for secure data access and Enrich service for better credit decisioning make it a good option for companies in lending, digital banking and fintech. Flinks also has an open banking program for multiple data-sharing use cases, letting companies automate underwriting and offer better financial products.