AI-driven
financial data intelligence
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Understanding a single financial transaction is a hard task. It takes a lot of time and effort – for humans. Planky analyzes millions of transactions in the blink of an eye.
Modular solution
Say hello to the portfolio of Planky’s products!
Our solutions have been developed to help you streamline financial processes and comply with account verification regulations. Maximize the potential of our products by choosing solutions your business needs:
\ \ Account Check\ \ Quickly and automatically verify the owner of the bank account and get instant and simple access to customer information.](https://planky.com/products/account-check) \ \ Transactions\ \ Get access to transactional data straight from the bank. Verify data in real-time, manipulation-free.](https://planky.com/products/transactions) \ \ Categories\ \ Keep track of your customers’ personal and business expenses and classify their bank transactions into over 100 categories.](https://planky.com/products/categories) \ \ Income Check\ \ Get instant confirmation of your customers’ and partners’ salary and income and verify their financial credibility in seconds.](https://planky.com/products/income-check) \ \ Transactional Intelligence\ \ Monitor financial trends and detect anomalies. Get information about customers’ credibility and financial health.](https://planky.com/products/transactional-intelligence) \ \ PlankyGPT\ \ Analyze customer data faster than ever and never miss out on new segments and target audiences.](https://planky.com/products/planky-gpt) \ \ Affordability\ \ Automatically verify sources of income and expenses to make correct loan decisions.](https://planky.com/products/affordability) \ \ Decisioning engine\ \ Access and analyze financial data and automate decision-making processes using your tailor-made decision trees.](https://planky.com/products/decisioning-engine)
Why Planky
No matter if you want to upload transactional data to be analyzed or just integrate data through open banking, we’ve got you covered. Our AI-powered tools analyze and process vast amounts of data, so they suit both financial start-ups and large-scale enterprises, no matter the industry.
Financial data source:
Bank Account
Open Banking
Spreadsheets
Payment Service Providers
PDFs
Bank Account
1430 12APR22 ARGOS LTD INTERNET GB
Clean and Standarized Output
ARGOS
Groceries & Housekeeping
- £99.95
Merchant:
ARGOS (argos.co.uk)
Amount:
GBP 99.95
Category:
Groceries & Housekeeping
Address:
Tottenham Ct Rd, London W1T 7PT
Recurrence:
Weekly
Generative Artificial Intelligence PlankyGPT
Large Language Models for Financial Services
PlankyGPT is designed to enable businesses to analyze financial data, without any limitations, all simple and in one place. Use trained Large Language Models to interact with your financial data and improve decision-making processes.
Ask for any data
Easily monitor the financial health of your customers and business partners without limits on data. Get instant access to all the financial information you need.
Create new metrics
Our tools are fully customizable and can be quickly tailored to your business needs. Create reports and predictions in real-time, based on your requirements.
Understand better
Build customer segments and reach target audiences that are most likely to convert. Recommend the right products at the right time, based on customer characteristics and behavior.
£3,543.59£3,543.59£3,543.59£3,543.59£3,543.59IncomeDisposable IncomeRentInsuranceBenefitsFinancial CredibilityLiquidityREASON CODESReturned direct debitPossible loss of incomePositive balance ratioNo gambling700Points out of 100030 Days90 Days1510£1,800£900Fixed Costs:Flexible Costs:
Designed for developers
Make the most out of simple,
yet powerful APIs
Integration based on API is the most recommended solution to seamlessly connect popular systems with new platforms. We offer extensive documentation and easy-to-implement integration so that you don’t have to maintain your legacy systems.
Invite a CustomerSELECT CUSTOMER TYPEPersonCompanyInvite NewCUSTOMER DATAJohnFirst Namejohn@domain.comEmail000 000 000Phone000 000 000ReferenceDoeLast Name
108642019 JunInvitation Conversion%6113276InvitationsAcceptedCustomer Conversion%4913276CustomersReportsAccepted923 Jun 2020Invite a CustomerSELECT CUSTOMER TYPEPersonCompanyInvite NewCUSTOMER DATAJohnFirst Namejohn@domain.comEmail000 000 000Phone000 000 000ReferenceDoeLast Name
Designed for business
No Code Solution
Planky products are intuitive enough to be used by non-developers. You don’t need any programming knowledge or technical skills to start right away.
Designed for developers
Powerful and easy-to-use APIs
Single integration is everything you need to start using Planky. You’re one click away from connecting to banks’ data.
Solutions
We offer comprehensive, customizable solutions that help businesses grow their inventory and revenue. See the examples of how you can utilize our tools for your success.
Compliance & Onboarding
Confirm a customer’s identity in seconds and stay compliant with KYC and AML regulations. Provide your customers with excellent onboarding convenience.
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Consumer Underwriting
Verify whether an applicant is creditworthy. The process includes the verification of items such as salary and financial statements, credit history, and more.
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Business Underwriting
Assess the risk and repayment potential of customers when they apply for loans, insurance, and other financing. Be sure that you collaborate with trusted partners.
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Finance Automation
Automate specific manual tasks that can be performed more efficiently with Artificial Intelligence. Improve process efficiency.
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Property Management
Check and process documents without human effort, with a full focus on details. Avoid human errors and generate customer risk profiles faster.
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Wealth Management
Seamlessly verify customers’ incomes across all income sources. Verify customer financial data in real time.
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A new customer must be verified
Account Check
The customer’s identity is confirmed
The customer is onboarded
Planky solutions means
Accurate, Customizable & Secure
Ready to get started?
Upgrade your financial services and finally make the most out of your customer transactional data. Improve decision-making using top-notch AI-boosted technology.
Get Started Book a Demo
Testimonials
What market leaders say about us
See the companies that have already trusted Planky. Don’t miss out on an opportunity to become the next business we boost!
99%
Reduced risk of fraud. Open banking significantly reduces the risk of fraud by providing secure, transparent transactions
Products
Account check
Transactions
Categories
Efficient
Income verification is streamlined and easy as never before.
Products
Account check
Transactions
Categories
Income Check
Transactional Intelligence
Affordability
Decisioning Engine
Optimal
Decisioning Engine ensures consistent decisions and enhances the speed of application processing.
Products
Account check
Transactions
Categories
Income Check
Transactional Intelligence
Affordability
Decisioning Engine
Swift
Instant affordability checks are transforming both underwriting and the customer experience
Products
Account check
Transactions
Categories
Income Check
Transactional Intelligence
Affordability
Decisioning Engine
Budget
Open banking lowers underwriting costs by automating processes and cutting down on manual work.
Products
Account check
Transactions
Categories
99%
Accuracy. Open banking provides comprehensive personal and corporate transactional information.
Products
Account check
Transactions
Categories
Income Check
Transactional Intelligence
Affordability
Decisioning Engine
+85%
Conversion rates. Simple open banking that customers can understand, and trust
Products
Account check
Transactions
Categories
Income check
Fast
Superfast data processing in less than 1s
Products
Account check
Transactions
Affordability
Planky provides us with complete peace of mind when verifying our customer’s declared income. It’s easy to use interface and reporting suite is also particularly useful and I wouldn’t have hesitation in recommending their services.
Barney Drake
CEO of Specialist Mortgage Group (SMG)
Barney Drake
CEO of Specialist Mortgage Group (SMG)
Integrating Planky has been a game-changer for our online ecommerce store. Their financial customer insights have become essential for accurate account and income verification, helping us make informed decisions quickly. The speed and precision of their data insights, coupled with their clear key indicators, have streamlined our processes and boosted our efficiency. Moreover, their amazing customer support is always there when we need it, making the experience seamless and reassuring. Wecouldn't be happier with the value they bring to our business!
Karl Scott
Risk Manager at Spear Technology
Planky has enhanced the operations of First Rate Credit Union in a positive way. Planky is used for personal loans and makes the underwriting process a lot quicker. The categorization is a great feature to use. We have had a large uptake from customers who prefer to use Planky rather than uploading supporting documents. The decision engine is great with the ability to set multiple rules within the system to enable us to focus on the relevant information quickly. We receive fast responses when support is needed, and they are continuing to develop the product. We can also make suggestions on improvements which are taken on board and implemented. We highly recommend Planky as an open banking partner.
Michelle Swain
Loan and Collection Officer, First Rate Credit Union
Partnering with Planky has been a great experience for CLEVR Money. We use Planky for both personal loan underwriting and credit control processes, to help us conduct speedy affordability assessments. Customer feedback has been positive, with a very high take up of the service, due to the journey being simple and easy to follow.
The categorisation is fantastic and the portal very intuitive for our staff to use. Having the ability to aggregate multiple accounts and set rules within the system has been transformational.
The team at Planky are very easy to work with, extremely responsive and are continually developing the product. We would highly recommend them to any company that is looking for a reliable open banking partner to support their business.
Andrew Moulding
Compliance Manager & Deputy COO, CLEVR Money
We find Planky invaluable in our decision making process when underwriting our customers. Planky's clean and simple platform allows its users to easily understand a persons' bank account activity without needing to spend significant time and resources building one's own data visualisation dashboard.
Ben Schuldenfrei
Co-Founder at Factored
Open Banking relieves the pressure of assiduity for our underwriters. We strive for an efficient car-buying experience for all of our customers on the basis that our process is simple, quick, and secure. By ensuring our underwriters make informed, data-driven decisions we believe this will create equal opportunities for our customer base and with the help of Planky... we are able to achieve this!
Jennifer Rothwell
Chief Operating Officer, Unity Auto Finance
As a tenant referencing company it is vital that we turnaround our references quickly but also provide accurate information on our reports.
Since using Planky our turnaround times have improved dramatically, and we have been able to provide our clients with more information than ever before regarding their applicants financial suitability as a tenant.
The Planky team are incredibly helpful, and their platform is secure, user friendly and only involves a very simple integration process. We would recommend wholeheartedly.
Adam Cheshire
Operations Director, Vorensys
Planky has been great to work with. Their product is very developer-friendly and our team was able to seamlessly integrate with their API
After researching several Open Banking providers for our AISP we settled on Planky due to their superior categorisation engine. Their data enrichment API and categorisation engine offer a breadth of transactional information not available with other providers.
Furthermore, their product has a high degree of accuracy with particularly difficult to categorise transactions such as rent and salary which is particularly important when deciding on auser's affordability score. They continue to improve the accuracy of their models enabling us to perform checks to a high degree of accuracy.
Guy Proops
Head of Product, VerifyMyAge
Be up to date with technological news
Interested in our tools and how to maximize your revenue and customer experience?
Don’t forget to visit our blog. Here’s a sneak peek of what our latest articles offer:
\ \ 29 May 2025\ \ The AI Advantage: How Smart Data is Redefining Affordability Assessments\ \ Explore how AI transforms traditional affordability checks into dynamic, data-driven assessments.](http://planky.com/blog/the-ai-advantage-how-smart-data-is-redefining-affordability-assessments) \ \ 25 February 2025\ \ How Open Banking is Transforming Credit Decisioning for SME Lending\ \ Open banking enables faster, fairer SME lending with real-time data and AI-driven financial insights.](http://planky.com/blog/how-open-banking-is-transforming-credit-decisioning-for-sme-lending) \ \ 25 July 2024\ \ How is AI used in financial analysis?\ \ AI and LLMs automate credit scoring, enhance risk management, and streamline lending for finance.](http://planky.com/blog/how-is-ai-used-in-financial-analysis)
Friendly Score UK Ltd.
41 Luke Street
London EC2A 4DP
Call us on +44 20 3996 3540
Company registered in England
Company number 09168668, ICO ZA111687, VAT registration number 206 9758 80, Authorised and Regulated by the Financial Conduct Authority.
(FRN: 821100, 781963)
© 2025 Planky