Case Study: Spring Financial delivers personalized lending and credit growth with Flinks

Spring Financial uses Flinks to access up to 12 months of transaction history for smarter lending

Spring Financial, a fintech lender, sought to provide accessible credit products to consumers with varying risk profiles, especially those often denied by traditional scoring systems. To achieve this, they partnered with Flinks to utilize its financial data connectivity and API, enabling a deep analysis of customers' financial situations.

Flinks provided the solution by allowing Spring to instantly verify identities, analyze income, and access up to 12 months of transaction history to power new risk models. This data-driven approach enabled Spring to deliver personalized loan offers and credit-building programs, setting customers up for success. As a result, Flinks became integral to Spring's operations, helping them grow into a long-term financial partner that services customer needs over many years with a full suite of products. A high percentage of customers now complete their applications using Flinks.

Spring Financial