Unlock smarter decisioning with secure, compliant access to financial data
Experian Open Banking empowers businesses to harness the full potential of the Consumer Data Right (CDR) regime in Australia. As an Accredited Data Recipient, we provide a seamless, secure and scalable platform to access, enrich and act on consumer-permissioned financial data, driving better outcomes across lending, onboarding and customer experience.
Whether you're a lender, fintech, broker, or enterprise, our open banking capabilities help you streamline operations, reduce risk and deliver intelligent insights at speed.
CDR accreditation
Work with us to understand your accreditation and access requirements.
Consumer dashboards
Provide an easy way for consumers to control consent with a complete hosted solution.
Consent collection
Streamline the consent process with a tailored consent collection system.
Data retrieval
Access information from available financial institutions across Australia and New Zealand.
Aggregation and enrichment
Enhance your data feeds with industry leading categorisation and integrate multiple data sources to reveal further insights.
Ongoing consent management
From consent provisioning to maintenance and revocation, we can manage the whole consent lifecycle.
How it works
Our Open Banking process ensures smooth data flow, starting with the consumer and progressing seamlessly to actionable insights.
Intelligent data for confident decisioning
Sophisticated categorisation and decision metrics that deliver intelligent insights.
Access to comprehensive statement sources
Access the full range of bank statement sources, including CDR connections and non-CDR solutions in combination.
Real-time data on demand
Fast, flexible and intuitive platforms that provide the data you need, when you need it.
Robust data security
Each product is rigorously tested and audited by independent, external security experts.
Accelerate innovation with a rich sandbox
A rich sandbox environment that simulates real banking data, so you can begin developing your solution as soon as possible.
CX ready and configurable by design
Our white-labelled solutions are customisable to support CX compliance and can be flexibly configured to meet a wide range of implementation needs
Brokers
Increase business and improve customer experience by making important decisions within minutes.
Lenders
Encourage a streamlined process confidently, with quick access to detailed, accurate data.
PFM and Wealth Management
Compile data from multiple bank accounts with data aggregation.
Fintechs
Work with experienced providers to build state of the art products using reliable and scalable technology.
Banks
Complete income verification and affordability assessments with efficiency.
Other industries
Gain insights and speed up formerly manual processes with automated systems in other industries such as Real Estate, Property Management, Retail, Insurance and Law.
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.
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 Lenders
Allows lenders to access customers' statements directly to accelerate application processing and improve conversion.
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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