End-to-end coverage
Identification
Secure authentication using electronic identification, with multi-factor support.
User management
Role-based access control to manage access, assign roles, while ensuring security and collaboration.
Custom pricing models
Data-driven, personalized loan offers based on financial data, risk and market conditions.
Instant credit limit
Immediate access to pre-approved credit based on transactional data and risk assessment.
Funnel metrics tracking
Application tracking and analytics provide insight into the loan application process to optimize conversion rates.
Fixed price loan origination
Annuity loans with offers displaying total lending cost at the point of application to provide pricing transparency and cost predictability.
Always available top-ups
Customers can extend credit at any given time. Available credit adjustments based on current loan amount and financial status.
Contract signing
Digital contracts with e-signature ensures legal compliance and fast agreement processing.
Branded Monthly Reports
Generate monthly and yearly financial summaries for bookkeeping purposes.
Flexible Repayment Adjustments
Customers can increase or decrease repayment rate, temporarily pause amortization and pay off loans in advance within the platform.
Re-evaluation of collaterals
Regularly assessing value and liquidity of pledged assets to ensure adequate security against outstanding credit.
Re-evaluation of organizations
Continuous monitoring of financial and operational performance to reassess the creditworthiness of business borrowers.
Credit policy framework
Structured lending policies to ensure consistency, risk control, and regulatory compliance across credit decisions.
Country customization
Adapting credit policies and risk models to local regulations, market conditions and borrower behaviors in different regions.
Early rejection screening
Automated pre-screening to quickly filter out high-risk borrowers.
Risk based pricing
Adjusting interest rates and loan terms based on borrower risk profiles to balance profitability and risk exposure.
ML model training
Developing and refining machine learning models to enhance credit risk assessments and improve predictive accuracy.
PD scoring
Automated PD scoring to estimate likelihood of a borrower defaulting and proactive risk management.
Behavioral data
Analyzing transaction patterns, repayment history and financial behaviors to enhance risk assessment and creditworthiness evaluation.
Digital data sourcing and analysis
Utilizing advanced digital tools to aggregate financial data, assess risk, and enhance decision-making for mid-sized enterprises. Not suitable for automatic underwriting.
Automated credit decisions
Instant credit decisioning powered by real-time data analysis and machine learning to assess creditworthiness, risk and PD.
Collateral valuation
Data-driven valuation assessment of guarantors.
Aggregated view of customer
Consolidating customer data across accounts, transactions and interactions to provide a comprehensive risk and financial profile.
Transaction classification
Categorizing transactions based on type, purpose and risk level to enhance financial analysis and fraud detection.
Real-time revenue metrics
Tracking and analyzing revenue streams in real-time to assess financial performance, detect anomalies and optimize decisioning.
Transaction data
Using open banking to source customer transaction data and history.
Credit bureau data
Utilizing credit reports and scores from official bureaus as a complement to transactional data to evaluate creditworthiness, repayment history and risk exposure.
Partner data
Data sharing to create more sophisticated credit models and improved assessments.
Revenue forecasting
Predicting future revenue streams based on historical data, transaction trends and market conditions.
Profitability forecasting
Estimating future profitability by analyzing revenue, costs and risk factors.
Credit portfolio accounting
Portfolio tracking and management. Analyzing risk exposure, expected losses, and provisioning for a balanced and profitable lending portfolio.
Manage credit balances
Monitoring and optimizing outstanding credit balances to minimize risk, ensure timely repayments, and maintain borrower financial health. Including adjusting credit limits and repayment terms as well as preventing financial crimes.
Split settlement
Automatically splits interest income and settles partner commission.
Card-based payments
Leveraging card-rails to push disbursements and withdraw repayments to and from the customers’ card. Generates interchange income on every loan transaction.
Direct debit
Automated withdrawals for on-time loan repayments and lowered administrative requirements.
Instant loan payout
Real-time loan disbursement via Visa or direct bank-to-bank payment.
Payment plans
Structured payment schedules with weekly repayments.
Monitoring
Proactively engage customers to prevent late payments.
Situational understanding
AI-powered data analysis identifies potential repayment risks.
Alleviation actions
Tailored interventions to prevent defaults.
Case handling
Partner is responsible for all end-customer contact.
White-label FAQ
Built-in FAQ with answers to most common customer questions.
E-mail automation
Automated email workflows from application to final repayment.
Customer activation
Trigger-based messaging and workflows designed to onboard, engage and convert.
Case handling
Unresolvable questions are escalated to dedicated assistance with 24 hour response time.
First line support training
Equipping customer support teams with the knowledge and tools to handle inquiries, identify risks and escalate complex cases effectively.
On-site training of support staff
Providing hands-on training for support teams at partner locations to enhance service quality, compliance awareness and fraud prevention measures.
On call support
Assistance via Slack, Teams or other communication platforms to resolve technical issues.
KYC collection
Automatic gathering and verification of customer identity data, including personal, financial, and business information.
Transaction monitoring
Real-time and retrospective analysis of financial transactions to detect unusual patterns, flag potential fraud, money laundering and criminal activity.
Company monitoring
Ongoing assessment of businesses’ financial health, risk exposure, and compliance status to identify potential red flags and mitigate risks.
Investigation of suspicious activity
In-depth analysis of flagged transactions and entities to uncover fraudulent behavior, money laundering, or regulatory violations.
Financial authorities
Generating and submitting reports and documents to financial authorities.
Fraud screening
Detecting and preventing fraudulent activities through data analysis, behavioral monitoring and risk-based detection models.
AML Screening
Identifying and mitigating money laundering risks by monitoring transactions, verifying identities and ensuring compliance with anti-money laundering regulations.
PEP & sanction controls
Screening customers to detect politically exposed persons (PEPs) and sanctioned entities.
Enhanced due diligence
In-depth risk assessments on high-risk customers, including deeper identity verification, financial background checks and ongoing monitoring.
On-balance
For PL optimization to improve profitability and operational efficiency.
Off-balance
Leverages off-balance funding for ROE optimization to maximize returns.
FX hedging
Protection against exchange rate volatility.
Interest rate hedging
Stability against fluctuating borrowing costs.
Monitoring & Planning
Real-time tracking to optimize liquidity needs.
Liquidity Reserve
Maintain emergency funding for stability and compliance.
Risk Management
Strategies to hedge against financial volatility to ensure financial stability.
IFRS9
ECL assessment and reporting to ensure accurate risk evaluation, regulatory compliance, and financial transparency.
Tax authority
Managing financial disclosures, tax liabilities, statutory filings and reporting to comply with tax regulations.
National debt office
Tracking and reporting public debt, guarantees, and fiscal risks to maintain financial stability, transparency and responsible debt management.
Customer deposits
Funding with no upper limit from high-yield savings accounts. Customer deposits are covered by the Swedish deposit insurance scheme.
Customer withdrawal support
Dedicated support for deposit withdrawals when customers need it.
Microfinancing guarantee
Risk-reduced lending to micro businesses via guarantees covering 80% of risk from the European Investment Fund (EIF).
Level of integration
Embedded white-label portal or API calls with your front end.
Ongoing UX enhancements
Continuous improvements based on customer feedback.
Applications and log in
Using electronic identification with multi-factor support to prevent unauthorized access and fraudulent applications.
Contract signing
Digital signature system that ensures authenticity and business authority.
Partner data
Combining data sources, fraud prevention methods and shared intelligence to achieve a higher collective standard.
Credit assessments
Statistical ML models live and trained since 2019.
Underwriting
Automated credit offers and assessment using real-time data analysis and ML models.
Backoffice
Generative AI and GPTs in use since 2024.
Regulator supervision
Framework in place and ongoing initiatives to adhere to FSA regulations and guidelines.
Multiple markets
Enables cross-border loan origination within the EEA under a unified regulatory framework.
License sponsorship
Utilize our FSA license for compliance and faster go-to-market.
Payouts
Market independent solution using Trustly direct payment to transfer funds instantly.
Repayments
Automatically withdrawing loan repayments from customer accounts via direct debit.
Push-payment functionality
Leveraging Visa’s card network and payment rails to push loan disbursements in real-time. Available to partners who are issuers of Visa business cards.
Market independent withdrawals
Pulls loan repayments withdrawals from the customer’s card. Removes the need for different repayment structures in different markets.
You can access the developer portal here.
Depending on the product, integrating Froda Embedded's APIs is typically a 2-week process for a team of 2 developers. Our tech team will support and guide you through the process.
For more details about our APIs, visit our developer portal.
