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Since February 2024, our collaboration with ClearScore and D•One has enabled us to provide open banking-powered loans that offer an alternative to outdated credit scoring models. By integrating D•One’s advanced open banking connectivity and transaction categorisation intelligence, we’ve been able to assess affordability more accurately and offer better lending decisions at scale.

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A fairer, data driven approach

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By leveraging real-time banking data and categorising transactions with greater precision, we ensure that our customers get loans that reflect their true financial standing, not just their credit score. This means we can provide more affordable, responsible, and inclusive lending options for those who have been underserved by traditional financial institutions.

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James Pursaill, CEO and Co-Founder of Plend:

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"Partnering with D•One has been transformative for Plend. Since our collaboration began, leveraging their advanced open banking connectivity and transaction categorisation intelligence has revolutionised how we assess affordability and risk. The partnership empowers us to offer more accurate and affordable loan options, extending access to credit to people often overlooked by traditional assessments. Beyond technology, this partnership is about making a real difference in people’s lives by providing access to credit that is truly reflective of their financial situations.

Customer expectations include seamless, pre-approved credit access. With D•One, we achieve a balance where customers no longer face a choice between pre-approval and low interest rates. Now, they enjoy the assurance of approval alongside affordable monthly repayments.”

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Key metrics

• Plend has processed over 1,800 applications via the ClearScore marketplace using D•One open banking services.
• Since the partnership commenced, 40% of Plend’s lending is through the ClearScore marketplace.

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What's next for Plend and D•One?

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”Looking ahead, we are excited to continue this momentum. We plan to expand our reach even further, utilising D•One's technology to enhance our product offerings and streamline our lending processes.”

James Pursaill, CEO and Co-Founder of Plend

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Stay tuned for more innovations as we continue to challenge the status quo and make borrowing better for everyone.

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