Account insights in B2B: how AIS data changes credit checks
How account information services under PSD2 change B2B credit assessment: how they work, where they are used, and what they add to classic scores.
Rethinking creditworthiness
Current creditworthiness.
Current creditworthiness.
Better decisions.
ConversionUp is the leading solution for account-based credit assessment. We are the only provider to analyze business and personal accounts in a fully regulated PSD2 process – delivering your customers' actual payment behavior in seconds.
PSD2-regulatedGDPR-compliantResults in minutes
Analysis time (median)
< 3 min.
Customer satisfaction
100 %
Leading B2B solution for account-based credit assessment
BaFin-licensed account access
Hosting in Germany
The challenge
Traditional scoring looks at the past.
Traditional credit assessment relies on data that is generally more than 12 months old. The result is an incomplete picture: good customers are rejected, risks are identified too late and poor decisions are made.
- Traditional credit assessments do not reflect the customer’s current financial situation.
- Customers with insufficient data are automatically rejected.
- Manual reviews delay decisions and tie up valuable resources.
Traditional vs. account-based scoring
Data recency
> 12 months
Today
Data source
Credit bureau
Live account (PSD2)
Decision time
Hours – days
Minutes
Approval rate
Baseline
↑
Default rate
Baseline
↓
The solution
Creditworthiness as it stands today.
Make credit decisions based on what really matters.
Real-time account analysis
We analyze the last 12 months of actual payment behavior – for both personal and business accounts.
Default probability
Our risk model identifies facts that credit bureaus do not have – from returned direct debits to income volatility.
Fast integration
Go live in under a week – without a major IT project or rebuilding your core systems. Embedded application flow or REST API.
PSD2 & GDPR compliant
Access via a BaFin-licensed account information service, encrypted transmission – compliant by design.
What sets us apart
B2B account data. At a depth no one else provides.
Account-based credit assessments already exist. What has been missing is reliable access to business accounts with the depth and quality of analysis required. ConversionUp closes exactly this gap.
- Comprehensive analysis of business accounts with all relevant credit information
- Purpose-built for data-driven B2B credit and risk assessments
- Regulated, compliant account access
- Developed, hosted and operated in Germany
Analysis scope
What every analysis includes.
ConversionUp structures and analyzes the relevant areas of a business account – providing a complete picture of your customer’s financial situation.
Account & payment activity
Revenue, balances, returned payments and payment behavior – structured across the last 12 months.
Income & expense trends
Trends, seasonality and volatility in financial performance at a glance.
Top customers & suppliers
Concentration risks and economic dependencies become transparent.
Loans, leasing & financial obligations
Current obligations and their servicing.
Insurance & recurring contracts
Analysis of all recurring charges and contract structures.
Investments & liquidity
Reserves, investments and liquidity buffers as indicators of financial stability.
Result: a complete picture of the financial situation – in a structured report.
The business case is clear.
Fewer defaults, fewer unnecessary rejections and faster decisions: winning just one additional good customer or avoiding one default can make ConversionUp pay for itself.
Request ROI calculation →Fewer payment defaults on average across our customers
More approved contracts thanks to a live account view instead of a rigid score
< 3 min.
Median decision time – without manual rework
12 months
real account transactions as the basis for every decision
How it works
From request to decision in five steps
01
You send your customer the link
Send the ConversionUp link to your customer – by email, within the application process or directly from your system.
02
Customer logs into online banking
The customer securely authenticates in online banking via regulated, read-only PSD2 access.
03
ConversionUp provides live data
The last 12 months of account transactions are retrieved securely and analyzed in real time.
04
Customer sees the analysis result
Full transparency: the customer receives the prepared analysis and knows exactly which information will be shared afterwards.
05
Customer shares the result with you
Only after the customer actively approves sharing do you receive the result – in your application or as an API response.
Industries
Improve credit decisions, reduce risk and accelerate processes.
Leasing
Reduce rejections and keep default risk under control – even for customers without an extensive credit history.
Banks & financial institutions
An additional live signal for consumer loans, overdrafts and credit cards.
Telecom, energy & subscription models
Contract approval without bureaucracy – backed by a reliable forecast of payment behavior.
B2B sales & factoring
Assess business customer creditworthiness based on real company account transactions.
Insights
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Insights on account-based credit assessment
Business credit checks: the complete 2026 guide
Business credit checks explained: methods, providers and the limits of classic credit bureau data — plus modern account-based alternatives in B2B.
Account-based credit assessment: why real-time data complements credit bureaus
Account-based credit assessment adds current business account data to bureau files. Learn how second-look checks lead to better decisions.
Digital account insight: the new standard in credit assessment
Digital account insight in B2B leasing: how current business account data complements bureau reports and enables a well-founded second look.
Credit assessment in leasing, rethought: real-time account data as the missing layer
Credit assessment in leasing: how lessors use account-based real-time data to reduce default rates and safely approve more applications.
Creditreform + ConversionUp: history meets real time
Creditreform delivers the reliable payment history, ConversionUp the current account picture. Why only the combination gives the full credit view.
Reducing payment defaults in B2B leasing: 7 levers that really work in 2026
Reduce payment defaults in B2B leasing: seven field-tested levers for 2026 — from account-based early warning signals to second-look decisioning.
Second chance in B2B: lower rejection rates without adding risk
Second chance in B2B: how account-based credit assessment lowers rejection rates and rescues borderline cases — without increasing defaults.
Ready to rethink credit decisions?
30-minute live demo. We’ll show you ConversionUp using one of your real use cases.
©itsmydata 2026. All rights reserved
©itsmydata 2026. All rights reserved