Bank Behavior Data Powering Smarter Decisions.

The Most Powerful and
Easy-to-Use Banking Behavior AI

RIBBIT leverages the recency and accuracy of bank behavior to power lenders, billers, banks and fintechs to make smarter credit decisions, expand financial inclusion, and reduce fraud.

CONNECT

Access consumer and business financial analytics by transmitting account information, bank transaction history, or open banking data

INSIGHTS

Generate deep behavioral insights into affordability, income, account stability, and identity, regardless of how your customers provide their bank information

TRANSACT

Transfer funds to-and-from any bank account in the US via ACH, Same Day ACH, Real Time Payments, and checks via tokenized processing

The Bank Behavior Experts

Prebuilt rules for faster implementation and decisioning

Trended attributes available regardless of bank transactions data provider

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Lift over traditional credit and underwriting scores
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Make Smarter, More Transparent Credit Decisions

Identify and reduce bank account and identity fraud by applying our insights

BankQUALIFY

Enabled by a sub-second live API call, BQ leverages basic PII elements to identify features indicative of lead quality, account ownership, transaction history and risk.

BankVERIFY+

Delivered through direct API, basic PII can deliver over 1,100 attributes along with scores, rules and recommended actions without requiring users to log in.

BankLOGIN+

Connected through the RIBBIT Widget or your own, standard bank login credentials can deliver over 8,400 attributes, 9 consumer and SMB scores, and recommended actions.

BankTRANSACT

Supported by the RIBBIT network of banking partners, BankTRANSACT provides check to ACH conversion, API and batch processing, same day ACH and Real Time Payments.

The Bank Behavior Experts help

make better financial decisions

Lead Buying

Prequalification

Direct Mail

Nacha Compliance

Account Management

Prescreen

Account Verification

Collections

User Experience

POWERED BY RIBBIT