Case Study: NCR Financial achieves better lending underwriting with Flinks

How NCR Financial Uses Flinks to Improve Lending Underwriting

NCR Financial, a digital lender operating in Canada and the United States, needed a better way to assess borrowers with limited or average credit history and deliver a faster, more convenient lending experience. To address this challenge, NCR Financial turned to Flinks, using its Transaction History and Instant Digital KYC products to improve underwriting and streamline onboarding.

By integrating Flinks directly into its digital lending flow, NCR Financial can securely connect applicants’ bank accounts, validate identity, and analyze up to 12 months of transaction history for automated loan decisions. The result has been faster approvals, a more scalable underwriting process, and better loan performance than traditional bureau-based models, with NCR Financial reporting that Flinks helped lower its default rate.

NCR Financial

Dustin Canuel

Chief Operating Officer