Bankuity
Bankuity
Connect your bank account to receive the maximum loan amount, accurate pay schedule and best customer experience.
Demo connection • no credentials required
See what a lender starts with—and the verified intelligence, recommendations and actions Bankuity adds.
See how transaction intelligence can identify acceptable customers that conventional underwriting may miss.
See how Bankuity identifies material risk that the lender's existing underwriting would have missed.
See how Bankuity can identify low-risk customers, validate neobank cash flow and safely expand approvals.
Bankuity organizes customers by lifecycle stage, surfaces exceptions and opportunities, and routes the right accounts to action.
| Customer | Red Zone | Original Offer | Bankuity Amount | Current Timing | Bankuity Timing | Repeat Zone | Action |
|---|---|---|---|---|---|---|---|
| Jordan MillerAPP-10482 | Zone 4 | $1,000 | $650–$800 | Every Friday | Every other Friday | Zone 6 | |
| Maria TorresAPP-10511 | Zone 2 | Declined | $650–$750 | Every other Tuesday | Every other Tuesday | Zone 6 | |
| Marcus ReedAPP-10474 | Zone 5 | $900 | $500–$625 | 15th & 30th | 15th & 30th | Zone 3 | |
| Nina PatelAPP-10468 | Zone 1 | $600 | $600 | Every Monday | Every Wednesday | Zone 2 |
| Customer | Bank Account | Name | Debit Card | Income / Employer | Action |
|---|---|---|---|---|---|
| Jordan MillerAPP-10482 | Verified | Matched | Validated | Income discrepancy | |
| Marcus ReedAPP-10474 | Account mismatch | Matched | Validated | Verified | |
| Nina PatelAPP-10468 | Verified | Name mismatch | Validated | Employer discrepancy | |
| Maria TorresAPP-10511 | Verified • Neobank | Matched | Validated | Gig income verified |
| Customer | Status | Payment Risk Zone | Current Payment | Bankuity Suggested Payment | Due Date | Income Date | Action |
|---|---|---|---|---|---|---|---|
| Evan BrooksLoan #L-8391 | Active | Zone 5 | $118 | $92 | Sep 10 | Sep 10 | |
| Maya CohenLoan #L-8368 | Active | Zone 4 | $105 | $105 | Sep 12 | Sep 16 | |
| Luis RiveraLoan #L-8342 | Active | Zone 3 | $132 | $126 | Sep 14 | Sep 14 |
Choose where Bankuity applies, which lifecycle signals are active, and how intelligence becomes action.
Apply Bankuity throughout the lending lifecycle for every eligible account.
Apply Bankuity when lender-defined criteria or risk conditions are triggered.
Apply by product, channel, portfolio or customer segment.
| Lifecycle | Bankuity Signal | Rule Applies When | Handling | Default Action | Customer Messaging |
|---|---|---|---|---|---|
| Pre-Onboarding | Bankuity Red Zone | ||||
| Pre-Onboarding | Loan Terms | ||||
| Active Loan | Payment Risk Zone | ||||
| Active Loan | Churn Zone | ||||
| Past Due | Collections Zone | ||||
| Paid Off | Re-loan Zone |
Follow how Bankuity turns transaction data into actions from application through servicing, collections, retention and repeat lending.
Verify applicant data, identify Red Zone risk, recommend loan amount and payment timing, and identify repeat potential.
Refresh affordability and cash-flow signals after funding rather than relying only on origination data.
Identify emerging payment risk before the due date and adjust payment amount or timing when appropriate.
Prioritize recoverability and identify collectible amount and collectible date.
Detect disengagement and trigger retention outreach before the customer seeks another lender.
Identify paid-off customers most ready for another offer and route them into repeat-loan workflows.
Track operational actions, portfolio outcomes and performance by Bankuity zone and recommendation.
Reduce missed payments. Grow funded volume. Retain good customers for repeat funding.