Training Example: Tink – Review the Data, Give Your Score & Compare to the Real AI Evaluation

NEW:Tink named a leader by ForresterNEW:Tink named a leader by ForresterNEW RESEARCH:A closer look at UK lending in the cost-of-living crisisNEW RESEARCH:A closer look at UK lending in the cost-of-living crisisNEW GUIDE: Creating a brilliant Pay by Bank user experienceNEW GUIDE: Creating a brilliant Pay by Bank user experienceNEW:Tink named a leader by ForresterNEW:Tink named a leader by ForresterNEW RESEARCH:A closer look at UK lending in the cost-of-living crisisNEW RESEARCH:A closer look at UK lending in the cost-of-living crisisNEW GUIDE: Creating a brilliant Pay by Bank user experienceNEW GUIDE: Creating a brilliant Pay by Bank user experience
[H1] Welcome to Tink,a Visa solution
Payment services and data enrichment, trusted by world-leading businessesContact Sales
[H3] Why market leaders are choosing Tink
[H2] For industry leaders
“Our aim is to always innovate to meet consumer needs by providing a breadth of convenient, fast, and secure payment options. Partnering with Tink for open banking is the latest way we have evolved our technology to deliver on this goal.”Edgar VerschuurHead of Global Acquiring at AdyenDiscover the full story“Responsible lending is all about granting the correct credit to the private individual that has the means to service the loan without compromising on other expenses. Tools such as those Tink provides for Bank Norwegian is an enabler of data that supports our philosophy as a provider of a pure digital customer journey.”Peer Timo Andersen-UlvenCRO at Bank NorwegianDiscover the full story“We’re very pleased to partner with Tink, the leading player in account-to-account payments. Today we handle hundreds of millions of invoices annually for customers in the Nordics. Open banking lets us expand our offering to now also include simple, compliant, and user-friendly payment solutions integrated in our existing channels.”Mattias NorénHead of Strategy at PostNord StrålforsDiscover the full story“Anyone seeking credit, whether for a loan or a retail purchase, deserves an ultra fast and hassle-free experience. Thanks to open banking capabilities and our partnership with Tink, we are now able to deliver this promise of instant credit decisions at scale – a first in Europe. We’re already serving more than a million customers, and together with Tink, we will expand our services across Europe, continuing our mission of  changing the future of  lending for the better.”François de BodinatChief Product Officer at YounitedDiscover the full story“Partnering with Tink was an important step in our ambition to improve the user experience, leveraging PSD2 to develop a simpler payment solution. Using Tink as a provider for our new payment service became a natural choice as we explored the market.”Vesna LindkvistCTO at KivraDiscover the full story“We are delighted to bring Tink’s solutions to Revolut. Our partnership with Tink will enable Revolut to expand our open banking services across new markets in a fast and sustainable way.”Ivan ChalovHead of Retail at RevolutDiscover the full story
[IMG: An post logo]
“Enabling people living in Ireland to replace financial worry with financial confidence is a key goal for An Post Money. We are thrilled to have partnered with Tink to enable not only An Post Money customers but everyone living in Ireland to have the ability  to manage their money better, stay in control of their expenses and start building financial confidence.”Bruce RichardsonProduct Management Consultant at An PostDiscover the full story“By teaming up with Tink, we aim to give Lydia’s users the best possible experience and allow them to easily manage their financial daily lives within our app.”Cyril Chicheco-founder and CEO of LydiaDiscover the full story“With Tink we have provided our customers with a much smoother way to prove their income and their creditworthiness, which has helped us reduce our application processing time down to less than 10 mins. It has helped us increase our automated funnel which in turn increased approval rates, faster time to money, and reduced risk of fraud and uncompleted applications - all real difference makers for our growth.”David ÖhlundCEO at GF MoneyDiscover the full storyTink offers an incredible amount of out-of-the-box products with basically unlimited possibilities for customisations and new innovations. The overall quality and uptime of their services has been great and we have had no issues at all, even with the enormous amount of new customers we’ve acquired in a short amount of time.Andreas NorbergHead of Innovation at RockerDiscover the full story“At Tradera, we always aim to make the user experience as simple and friction-free as possible for our customers. For that reason, our partnership with Tink was a perfect fit for us.”Stefan ÖbergCEO at TraderaDiscover the full story“Tink's open banking payment system is the obvious choice for our customers – it takes our already instant onboarding experience and adds easy, frictionless payments – enabling anyone to invest in their first crypto in less than two minutes.”Jamie McNaughtCEO and co-founder at SolidiDiscover the full story“Tink was the obvious choice as a scalable and reliable partner to help make our product experience as simple and as user-friendly as possible.”Tim Öhman CirilloCOO at BillogramDiscover the full story“With Tink, it was very easy and smooth to get started. We understood perfectly when we read the documentation and the technical sections the first time and that was a big reason for us to choose Tink. The integration was very seamless and easy.”Nanna StranneCEO and founder, SigmastocksDiscover the full story“Working together with Tink means we can provide contextual money-saving insights and deliver a personalised, fast and accurate customer experience.”John NataliziaCofounder and CEO at SnoopDiscover the full story“Open banking lets us deliver seamless payment experiences that are quicker and more competitive than traditional card payments. The customer response has been brilliant, and our partnership with Tink means we can maintain our market-leading low fees.”Simon HollandChief Product Officer at WealthifyDiscover the full story
[H3] The Tink offering
[H3] What you get with Tink's tech
[H4] Plug-and-play through one API
Tap into our technology – on a single cloud-based platform – through one API integration.
[H4] No PSD2 license required
Using our ready-made authentication flows lets you operate under our PSD2 license.
[H4] Breadth and quality of data
We aggregate both PSD2 and non-PSD2 data through reliable connections to European banks and financial institutions.
[H4] Loved by developers
Our SDKs make it fast and easy to build great products using our connectivity and data services.
[H4] Security you can trust
Our systems are SOC 2 Type II compliant, covering Trust Service Criteria for Security & Availability.Tink blog
[H3] Latest from the Tink blog
[H3] Get started with Tink
Contact our team to learn more about what we can help you build – or create an account to get started right away.Contact usCreate account
[IMG: Rocket]
USE CASESCustomer onboarding Account top-upsInvoice settlement EcommerceIncome & affordability assessmentRisk decisioningConsumer engagementINDUSTRIESBankingLendingPaymentsCUSTOMER STORIESAn PostBank NorwegianKivraRockerPRODUCTSNEWAuto PaymentsPay by BankSweeping Variable Recurring PaymentsPayoutsRisk SignalsAccount CheckBusiness Account CheckTransactionsBusiness TransactionsInvestmentsLoansBalance CheckIncome CheckExpense CheckRisk InsightsMoney ManagerData EnrichmentNEWMerchant InformationRESOURCESDocumentationAPI referenceTink Link DemoConnection capabilitiesService statusFAQLog in or Sign upIntroduction to the Tink platformSet up your accountMake your first API callPricingFEATURINGLending, levelled upBanking is getting personalCOMPANYAbout TinkPartnershipsBrand portalCareersModern Slavery ActLEARN & CONNECTBlogPodcastVideosWebinarsReports and guidesNEWS & MEDIAPressEventsGlobal© 2026 Tink ABImprintLegalConsumer SupportPrivacy NoticeCookie policy

Open bankingProductTink newsUse casesResourcesPodcastVideosOpen bankingProductTink newsUse casesResourcesPodcastVideos
[H1] Tink named a leader by Forrester
3 min read|Published March 21, 2023
[IMG: Tink named a leader in open banking intermediaries in analyst report]
[H4] From staying compliant to finding new ways to add value, open banking intermediaries have come a long way. Against this backdrop, Forrester has independently assessed the top open banking intermediaries. The Forrester Wave™: Open Banking Intermediaries, Q1 2023 has just evaluated its ‘Challengers’, ‘Contenders’, ‘Strong Performers’, and ‘Leaders’ – and has named Tink among the ‘Leaders’.
TL;DR – Quick summaryIndustry expert analyst firm Forrester has assessed top opening banking intermediaries and named Tink a leader.‘The Forrester Wave™: Open Banking Intermediaries, Q1 2023’ report evaluates open banking intermediary vendors against 24 criteria, comparing their current offering, strategy and market presence.Find out how to get your copy of Forrester’s evaluation in this post.TL;DR – Quick summaryIndustry expert analyst firm Forrester has assessed top opening banking intermediaries and named Tink a leader.‘The Forrester Wave™: Open Banking Intermediaries, Q1 2023’ report evaluates open banking intermediary vendors against 24 criteria, comparing their current offering, strategy and market presence.Find out how to get your copy of Forrester’s evaluation in this post.Premier research and advisory analyst firm, Forrester, produces independently evaluated guides for buyers considering their purchasing options in the technology marketplace. ‘The Forrester Wave™: Open Banking Intermediaries, Q1 2023’ report assesses the most significant open banking intermediary providers against 24 criteria, grouped into three high level categories: current offering, strategy, and market presence. After researching, analysing and scoring Tink alongside the other evaluated providers, Forrester has ranked Tink as a ‘Leader’ in open banking intermediaries. Read on for Tink’s takeaways, and get your copy of The Forrester Wave™ analysis here.
[H2] We support countless use cases with comprehensive capabilities
We believe this drive for forming strategic partnerships and a focus on solutions led to the conclusion that ‘Tink excels in offering off-the-peg use cases and user-facing financial management, with turnkey solutions such as identity and verification services, risk assessment, and personal financial management (PFM) and business financial management (BFM) insights, with multiple payment options.’
[H2] Maturity, broad coverage and putting our clients first
To us, ensuring a well-maintained developer portal to complement the seamlessness of Tink’s single API helped to position Tink as one of the leaders in Forrester’s open banking intermediaries evaluation. Tink’s ‘comprehensive developer portal supports team-based working and has a wide library of tools, SDKs, and sample projects to accelerate implementation.’ In addition, ‘Reference customers praised Tink highly for maturity and breadth of coverage, great service, client focus, and desire to perform. Reference customers also cited roadmap strength, continuous improvement, and responsiveness to innovation requests.’ The Forrester report states that, ‘…open banking intermediary customers should look for providers that:align most closely to their current needs – and offer future flexibility…can help them elevate open finance within their firm…[and]are clear about their future direction.’In assessing Tink’s capabilities, the Forrester report found that ‘Tink is ideal for all, especially medium and large firms needing a robust, performant solution that can scale.’ It’s an honour to be recognised by Forrester’s independent research, particularly in an ever changing industry that places constant demands on open banking vendors for innovation. The Forrester Wave™: Open Banking Intermediaries, Q1 2023 report motivates us to keep pushing the envelope. However, it’s also a great reminder of who financial services are for – consumers. Helping businesses create more choice for their customers is at the heart of what we do. To deep dive into how our platform stacks up against the top providers, get your copy of the Forrester report below.Get full reportCategoryTink newsTagsReports
[H2] More in Tink news
[IMG: The Cost and Fear of Messing Up (COMU/FOMU)]
2025-12-10 4 min readOur latest research reveals that many UK consumers feel anxious about making mistakes when paying by manual bank transfer. This lack of confidence is driving abandoned transactions and undermining trust in the small businesses they buy from – while simple human errors continue to cause failed payments. Read more
[IMG: Tink and Fidelity International logos]
2025-12-03 2 min readTink and Fidelity International have partnered to enable account top-ups via Pay by Bank for Fidelity’s Personal Investing customers and advised clients on the Fidelity Adviser Solutions platform.Read more
[IMG: Tink and Coinbase logos]
2025-10-30 2 min readCoinbase and Tink have partnered to launch Pay by Bank in Germany, enabling secure, fast crypto purchases directly from users’ bank accounts and expanding access to the cryptoeconomy with a seamless, mobile-first experience.Read more
[H3] Get started with Tink
Contact our team to learn more about what we can help you build – or create an account to get started right away.Contact usCreate account
[IMG: Rocket]
USE CASESCustomer onboarding Account top-upsInvoice settlement EcommerceIncome & affordability assessmentRisk decisioningConsumer engagementINDUSTRIESBankingLendingPaymentsCUSTOMER STORIESAn PostBank NorwegianKivraRockerPRODUCTSNEWAuto PaymentsPay by BankSweeping Variable Recurring PaymentsPayoutsRisk SignalsAccount CheckBusiness Account CheckTransactionsBusiness TransactionsInvestmentsLoansBalance CheckIncome CheckExpense CheckRisk InsightsMoney ManagerData EnrichmentNEWMerchant InformationRESOURCESDocumentationAPI referenceTink Link DemoConnection capabilitiesService statusFAQLog in or Sign upIntroduction to the Tink platformSet up your accountMake your first API callPricingFEATURINGLending, levelled upBanking is getting personalCOMPANYAbout TinkPartnershipsBrand portalCareersModern Slavery ActLEARN & CONNECTBlogPodcastVideosWebinarsReports and guidesNEWS & MEDIAPressEventsGlobal© 2026 Tink ABImprintLegalConsumer SupportPrivacy NoticeCookie policy

Open bankingProductTink newsUse casesResourcesPodcastVideosOpen bankingProductTink newsUse casesResourcesPodcastVideos
[H1] A closer look at UK lending in the cost-of-living crisis
7 min read|Published October 25, 2023
[IMG: London]
[H4] Our latest study shows that the cost-of-living crisis in the UK is having a significant impact on borrowers and lenders alike. As financial pressures mount, many Brits are resorting to desperate measures to secure loans, while lenders are grappling with increased defaults and fraud. Prioritising affordability checks and data-driven consumer lending models is crucial to ensuring responsible lending practices during these challenging times.
TL;DR – Quick summaryNew data from Tink has identified a growing cohort of 'bridging borrowers' in the UK – as the continued cost-of-living crisis sees an estimated one-in-four borrowers turn to credit to cover essential spending and 16% take out a loan to make ends meet. A minority of struggling Brits are resorting to providing false information to secure the loans they need, and with defaults on the rise, lenders are prioritising upgrades to affordability and fraud checks.So far this year, Tink’s solutions have already helped make better and faster decisions for over 7 million mortgage and consumer loans across Europe – a figure we expect to double in the next six months. TL;DR – Quick summaryNew data from Tink has identified a growing cohort of 'bridging borrowers' in the UK – as the continued cost-of-living crisis sees an estimated one-in-four borrowers turn to credit to cover essential spending and 16% take out a loan to make ends meet. A minority of struggling Brits are resorting to providing false information to secure the loans they need, and with defaults on the rise, lenders are prioritising upgrades to affordability and fraud checks.So far this year, Tink’s solutions have already helped make better and faster decisions for over 7 million mortgage and consumer loans across Europe – a figure we expect to double in the next six months. With UK interest rates at their highest for 15 years as the Bank of England tries to bring down inflation (currently 6.7% according to the latest Office for National Statistics data), higher loan repayments and increased borrowing are impacting UK consumers’ ability to make ends meet each month.
[IMG: An estimated one in four UK borrowers (25%) turn to credit to cover essential spending.]
Tink’s new research, for which both UK borrowers and lenders were surveyed, indicates that nearly one in three borrowers (29%) find themselves running out of money before the end of each month. For some, this financial strain forces them to turn to credit to cover essential costs. Approximately one in four (25%) have resorted to credit, while 23% have turned to instalment or delayed payment options. Meanwhile, 16% admit to taking out a loan just to stay on top of things.
[H2] Lenders seeing defaults rise
Responses from lenders, including mainstream banks, also support the notion that the cost-of-living crisis is causing difficulties for borrowers. While many people are turning to credit to make ends meet, more people are finding it difficult to qualify for loans, with 58% of lenders surveyed noting a greater number of rejected applications due to people not meeting the affordability criteria. This means that some struggling consumers, who may desperately need access to loans to make ends meet, are going to great lengths to try to secure borrowing, such as exaggerating their monthly income or underreporting their monthly outgoings when applying for finance. In addition, more than one in ten (12%) surveyed say that when refused a loan, they have reapplied with a different lender and altered their credit information so they can access the loan they need.The revelation that Brits are resorting to drastic measures to secure borrowing is borne out by insights from UK lenders – an estimated 35% of those surveyed by Tink are seeing a rise in application documents being edited.Tasha Chouhan, UK Head of Banking and Lending at Tink, said: “With many traditional credit checks making it difficult for people to gain access to loans, those who most need financial support are resorting to desperate measures. By prioritising investments in data-driven lending models, lenders can make more informed credit decisions to widen credit access to those who can afford it, while protecting struggling borrowers from getting into financial distress.”
[H2] Prioritising robust affordability checks
The vast majority of lenders we surveyed recognise that these trends are a consequence of the current economic situation and the difficult financial situation that many people find themselves in. More than three-quarters (78%) of lenders surveyed believe that fraud risks in loan applications are higher due to the cost-of-living crisis making applicants more desperate.
[IMG: More than three quarters (78%) of UK lenders surveyed believe that fraud risks in loan applications are higher due to the cost-of-living crisis making applicants more desperate.]
Perhaps as a result, an estimated 82% of lenders now consider affordability checks more important than ever, and 77% acknowledge the need to improve their risk decisioning models to provide a more accurate view of people's finances.
[H2] Data-driven tools key to helping lenders manage affordability and fraud issues
Data-driven risk assessment models give financial services providers, with consumer consent, the ability to view transaction data in peoples’ bank accounts. This enables a holistic approach to gathering insights on income and spending behaviours to inform creditworthiness and affordability – increasing financial inclusion and access, while removing unfair barriers to lending encountered by certain consumer cohorts such as those who have irregular income from multiple sources.Traditional credit checks combined with onerous, often paper-based processes to provide evidence of expenditure and income levels can be time consuming, out of date and end in higher abandonment or rejection rates.Encouragingly, the vast majority of lenders (84%) surveyed recognise that data-driven risk assessments are key to ensuring they can accurately assess a borrower's ability to afford repayments.And many lenders are already investing in new data-driven digital tools to enhance their lending models. For example:
[IMG: Lending campaign data table]
[H2] Fintech partnerships overcome barriers to adoption of data-driven technologies
An estimated two-thirds (68%) of lenders believe that third-party support is essential to improve their lending models.And as it stands today, an estimated 43% of lenders are already investing more in fintech partnerships to enhance digital affordability checks as part of their credit underwriting process, while 36% are investing more in fintech partnerships to enhance open banking.Chouhan continued: “With squeezed budgets and limited internal resources, partnering with a trusted fintech offers lenders a reliable and cost-effective way to make important upgrades to their processes. By embracing data-driven technologies, lenders can ensure they are protecting themselves and their customers today, while future-proofing their models. And we’re seeing this happening now all across Europe. We’ve already helped lenders make better and faster decisions on more than 7 million consumer loan applications in the last year, and we expect to see this double in the next six months.”---About the researchConsumer research was conducted by Censuswide on behalf of Tink in September 2023, amongst 1,000 UK borrowers aged over 18  (i.e. those who currently have either a mortgage or a loan).Lender research was conducted by Censuswide on behalf of Tink in September 2023 amongst 200 executives at a High street bank, Building society, Challenger bank, Payday lender or BNPL lender who have a decision-making role in the lending process.Case studies, comparisons, statistics, research and recommendations are provided “AS IS” and intended for informational purposes only and should not be relied upon for operational, marketing, legal, technical, tax, financial or other advice. Visa Inc. neither makes any warranty or representation as to the completeness or accuracy of the information within this document, nor assumes any liability or responsibility that may result from reliance on such information. The Information contained herein is not intended as investment or legal advice, and readers are encouraged to seek the advice of a competent professional where such advice is required.CategoryTink newsTagsLendingNext articleThe lenders’ guide to getting started with open banking
[H2] More in Tink news
[IMG: The Cost and Fear of Messing Up (COMU/FOMU)]
2025-12-10 4 min readOur latest research reveals that many UK consumers feel anxious about making mistakes when paying by manual bank transfer. This lack of confidence is driving abandoned transactions and undermining trust in the small businesses they buy from – while simple human errors continue to cause failed payments. Read more
[IMG: Tink and Fidelity International logos]
2025-12-03 2 min readTink and Fidelity International have partnered to enable account top-ups via Pay by Bank for Fidelity’s Personal Investing customers and advised clients on the Fidelity Adviser Solutions platform.Read more
[IMG: Tink and Coinbase logos]
2025-10-30 2 min readCoinbase and Tink have partnered to launch Pay by Bank in Germany, enabling secure, fast crypto purchases directly from users’ bank accounts and expanding access to the cryptoeconomy with a seamless, mobile-first experience.Read more
[H3] Get started with Tink
Contact our team to learn more about what we can help you build – or create an account to get started right away.Contact usCreate account
[IMG: Rocket]
USE CASESCustomer onboarding Account top-upsInvoice settlement EcommerceIncome & affordability assessmentRisk decisioningConsumer engagementINDUSTRIESBankingLendingPaymentsCUSTOMER STORIESAn PostBank NorwegianKivraRockerPRODUCTSNEWAuto PaymentsPay by BankSweeping Variable Recurring PaymentsPayoutsRisk SignalsAccount CheckBusiness Account CheckTransactionsBusiness TransactionsInvestmentsLoansBalance CheckIncome CheckExpense CheckRisk InsightsMoney ManagerData EnrichmentNEWMerchant InformationRESOURCESDocumentationAPI referenceTink Link DemoConnection capabilitiesService statusFAQLog in or Sign upIntroduction to the Tink platformSet up your accountMake your first API callPricingFEATURINGLending, levelled upBanking is getting personalCOMPANYAbout TinkPartnershipsBrand portalCareersModern Slavery ActLEARN & CONNECTBlogPodcastVideosWebinarsReports and guidesNEWS & MEDIAPressEventsGlobal© 2026 Tink ABImprintLegalConsumer SupportPrivacy NoticeCookie policy

Open bankingProductTink newsUse casesResourcesPodcastVideosOpen bankingProductTink newsUse casesResourcesPodcastVideos
[H1] The ultimate Pay by Bank UX guide
2 min read|Published November 21, 2023
[IMG: The ultimate guide for creating a brilliant Pay by Bank user experience]
[H4] Pay by Bank offers more flexibility and customisation options than other payment methods, helping you push up conversion rates. Scroll down to download our user experience guide which tells you how to make the most of this payment solution.
At Tink, we’re excited about Pay by Bank. It takes one line of code to embed it anywhere – in an ecommerce checkout, on an invoice or as a QR code. The authentication flow is built for online, all it takes is Face ID or a fingerprint.Crucially, it also offers deeper customisation options – it’s as close to a fully white-label payments experience as you’ll find. Adyen launching its own Pay by Bank solution shows how quickly it’s gaining mainstream adoption – and just how competitive the general user experience already is today.With this guide, we aim to show how you can build and optimise your Pay by Bank flows to ensure the highest possible conversion rates.More specifically, you will learn about: Getting to grips with performance metricsDesigning the end-to-end user journeyOptimising for mobile flows Shortening authentication flowsCreating a consistent look and feelAnd lots moreDownload full reportCategoryProduct
[H2] More in Product
[IMG: INT_Blog Risk Signals blog image]
2025-10-07 7 min readAs instant payments roll out across Europe, merchants still face challenges with reliability and settlement. Our Smart Routing and Risk Signals products provide a reliability layer for Pay by Bank, optimising payment routes and blocking likely-to-fail transactions. Read more
[IMG: Tink User Match feature]
2025-02-06 6 min readDiscover how the latest feature of our verification products, User Match, is improving security by verifying users' names when adding bank accounts, reducing fraud and enhancing account protection.Read more
[IMG: Tink account verification guide]
2025-01-15 1 min readDownload our new account verification guide to learn how to streamline your operations, reduce risk, and enhance customer experience with the help of open banking-powered solutions.Read more
[H3] Get started with Tink
Contact our team to learn more about what we can help you build – or create an account to get started right away.Contact usCreate account
[IMG: Rocket]
USE CASESCustomer onboarding Account top-upsInvoice settlement EcommerceIncome & affordability assessmentRisk decisioningConsumer engagementINDUSTRIESBankingLendingPaymentsCUSTOMER STORIESAn PostBank NorwegianKivraRockerPRODUCTSNEWAuto PaymentsPay by BankSweeping Variable Recurring PaymentsPayoutsRisk SignalsAccount CheckBusiness Account CheckTransactionsBusiness TransactionsInvestmentsLoansBalance CheckIncome CheckExpense CheckRisk InsightsMoney ManagerData EnrichmentNEWMerchant InformationRESOURCESDocumentationAPI referenceTink Link DemoConnection capabilitiesService statusFAQLog in or Sign upIntroduction to the Tink platformSet up your accountMake your first API callPricingFEATURINGLending, levelled upBanking is getting personalCOMPANYAbout TinkPartnershipsBrand portalCareersModern Slavery ActLEARN & CONNECTBlogPodcastVideosWebinarsReports and guidesNEWS & MEDIAPressEventsGlobal© 2026 Tink ABImprintLegalConsumer SupportPrivacy NoticeCookie policy