Case Study: Gradient accelerates lending decisions and debt reduction with Ntropy

Gradient enriches bank data with Ntropy to power 90%+ accurate underwriting

The customer, Gradient, is a consumer lender built on a personal financial management platform. Their challenge was to build robust PFM capabilities and power key inputs for their credit decisioning engine. To achieve this, they used Ntropy's Merchant Enrichment and Categorization products to process real-time bank transactions from their users.

Ntropy provided clean, enriched, and categorized data with a high degree of accuracy (90%+), which became a key input for Gradient's underwriting engine. This solution allowed Gradient to make instant underwriting decisions and advance capital in real-time, enabling them to get to market faster. The partnership with Ntropy's responsive engineering team allowed Gradient to focus on their core product and value proposition.

Gradient