Case Study: Juni reduces underwriting risk with Heron Data

Reducing Underwriting Risk for Juni

Heron Data provided its bank transaction data analysis to Juni, an all-in-one financial management platform for e-commerce businesses. Juni's challenge was to reduce underwriting risk and automate the manual process of analyzing applicant bank data for its credit offerings.

By integrating Heron Data's outputs into its proprietary scorecard, Juni can quickly identify high-risk applicants, including those with undisclosed debts or involvement in risky sectors like crypto. This Heron Data solution has enabled Juni to decline 15% of applications from highly-indebted businesses and 5% from other high-risk applicants, preventing millions in potential bad loans while significantly speeding up the underwriting process.

Juni

Matteo Majnoni

Product Manager