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OXFORD, Ohio, May 25, 2022 /PRNewswire/ — RIBBIT, the experts in banking behavior, announces RevealedAffordability® technology – a bank account accessibility solution that powers a suite of rogue and consumer-authorized data products – that provides predictive assessments in time actual income, spending behavior, and identity to inform smarter credit underwriting decisions.

RIBBIT’s proprietary data network deploys instant, actionable intelligence throughout the underwriting waterfall for lenders, fintechs, financial institutions and retailers, at a coverage rate of 99%. Our accredited and non-accredited products are modeled to improve lending and payment performance and UX. Transform your onboarding process with a complete customer registration and subscription tool or as modular enhancements to decision-making and payment processing, all from a single API. (PRNewsfoto/RIBBIT)

Consumer cash flow cycles have been negatively impacted by the cessation of government pandemic stimulus and recent inflationary pressures on spending. Banking behavior data from RIBBIT reveals that consumers are now 31% more likely to spend their entire bank account balance each week, despite a relatively steady stream of earned income. These shifts in the cash cycle are driving consumers to increase their financing activities by up to 22%, primarily through buy-now, pay-later, access to earned wages, and short-term installment loans. Fraudulent bank accounts also doubled with more than 750K fraudulent accounts using multiple identities in the last 30 days. The result is a 40% decrease in consumer “affordability” – the ability to pay financial obligations – that won’t show up in credit data for 6-8 weeks.

RIBBIT’s RevealedAffordability® technology leverages the recency and accuracy of banking data to provide a faster assessment of a consumer’s financial health than credit data alone. Thousands of bank behavior insights assess income stability, account ownership, and spending behavior to generate a true affordability assessment. RIBBIT’s data may be used anywhere in the application process, regardless of how the consumer chooses to provide their information, including: 1) KYC and identity verification, 2) bank account registration, and 3) authorized online banking access. Dynamic financial service providers can now access a wealth of predictive banking behavior attributes, rules, and scores to accurately assess the 95% of US households with a bank account.

“Bank Behavior puts real-time revenue and affordability information in the hands of financial service providers to make more informed decisions,” says RIBBIT CEO, Shawn Princell. “We built our RevealedAffordability® technology to be deployed across the consumer journey – new apps, payments, account management and collections – to enrich any use case with the power of banking data.”

In 2020, lenders admitted to a lack of confidence in decision-making for 62% of the US population due to the impact of COVID-19 and the inability of credit data to assess affordability during changes dramatic economics. RIBBIT’s RevealedAffordability® technology continuously learns new behaviors to support adaptive decision-making in a changing economy. Derived from a unique combination of a robust payments database and AI-enhanced cash flow analytics, RIBBIT’s banking behavior data has quickly become an essential tool for financial service providers who seek to expand opportunities for their clients.

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RIBBIT leverages the recency and comprehensiveness of bank behavior to enable financial service providers to make smarter decisions, promote financial inclusion and reduce fraud. Consumers and small businesses can now use their own banking and payment data to improve access to quality financial services. With AI-powered bank behavior insights, RIBBIT delivers instant actionable intelligence deployed through human-readable APIs and AffordAI® reports that drive customer acquisition with less friction and more precision than traditional tools. To learn more about banking behavior experts, visit



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