Power lending decisions with broker sourced bank data
Accelerate your broker channel with Experian Broker Flow, a secure, automated solution that enables you to retrieve bank statement data previously collected by brokers directly from Experian. Broker Flow streamlines credit assessment processes for you and your broker channel.
Direct data retrieval
Access customer bank statements collected by brokers via a secure API, using a unique Document ID.
Custom categorisation and metrics
Receive statements enriched with your own categorisation rules and Experian Decision Metrics to support consistent and accurate assessments.
Multi-format delivery
Statements are delivered in PDF and machine-readable formats (JSON/XML) for seamless integration into your systems.
Fraud mitigation
Statements and data received from Broker Flow come directly from the bank and are not editable by the customer or broker.
1
The broker retrieves statements or data from the customer. A Document ID is added to statements
2
The broker submits the credit application and statement Document ID to the lender
3
The lender requests statements from Experian via API using the Document ID. The lender receives the original statements or data in their format.
Faster approvals
Eliminate manual statement handling and accelerate approvals with pre-categorised, verified data.
Enhanced risk management
Reduce exposure to fraud with tamper-proof bank data and Experian’s analytics.
Operational efficiency
Automate data ingestion and decisioning workflows with structured formats ready for backend processing.
Improved experience
Simplify the broker-lender data exchange, reducing friction and improving turnaround times.
Bank Statements
The secure and easy way to retrieve your customers' bank statements instantly.
Decision Metrics
Understand customer behaviour with enriched transaction categorisation and insights.
Open Banking
Access secure, consent-driven data for faster and more transparent lending.
Bank Feeds
Real-time transaction data feeds for ongoing financial monitoring.
Statement OCR
Extract and digitise data from uploaded bank statements with high precision.
Broker Flow for Brokers
Allows brokers to access customers' statements directly to simplify the application journey and boost client conversion.
Transaction Risk Score
Delivers a dynamic, data-rich view of customer risk by analysing real-time bank transaction data to enhance the credit decisioning process.
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