WeMoney Connect Register for early access
WeMoney Connect

One consent.118+ financial institutions.Clearer financial picture.

Consented financial data for banks, mutuals, non-bank lenders, brokers and much more.

Register for early accessSee the solutions

Powered bythe Consumer Data RightSecured by Mastercard

Which bank are you with: the applicant connects their accounts on their own phone
portal.connect/applications/REF-448102
Evidence fileAssessable

3 accounts at 2 banks, 90 days, 182 lines, about 4 minutes after consent

IncomeDeclared salary $9,050, the lower of declared and detected, plus $42 other income$9,092 /mo
Living expensesDeclared $2,600, above HEM $2,412 and detected $2,239$2,600 /mo
CommitmentsOne credit card, declared and matched$406 /mo
Net capacityAfter a $100 buffer, before the new repayment$3,612 /mo

Connected accountDeclaredDerivedEvery figure labelled with its source

Five solutions, one consent.

Each product stands on its own, and all five run on the same consented data. Select a card to turn it over.

CollectEnrichAssessShareAcquire
Financial institutions 0+
  • Majors and retail banks
  • Mutuals and regionals
  • Non-bank lenders and fintechs
  • Card issuers
  • Australian financial institutions
  • Transaction and savings accounts, credit cards and loans
  • Point at a bank to see its products and the type each maps to
Category coverage 0%+
  • Category coverage across transactions
  • Each square is one transaction in a hundred
  • Point at a square to see its merchant and serviceability class
Merchants identified 0k+
  • Australian merchants identified by name, ABN and category
  • New merchants discovered from live transactions
  • Point at a merchant to see its enriched record
Data sharing frameworkConsumer Data Right
  1. ConsentedThe applicant gives consent to WeMoney, with authorisation at their bank.
  2. AuditableEvery use is recorded against the consent.
  3. Time-limitedA lender’s access ends on the date shown, within 30 days.

WeMoney is an accredited data recipient under the Consumer Data Right. Every connection is the applicant’s to give, and applicants can stop WeMoney collecting from their bank at any time.

The problem today

Lending data is fragmented, less accurate and less secure.

Today the evidence for a loan arrives from several places in several formats, misses what the accounts show, and asks applicants for their banking passwords.

01
Statement_Jul.pdfBank A, 3 pages
Payslip_0914.pdfEmployer, 1 page
IMG_4471.pngScreenshot, cropped
Credit_report.pdfBureau, 6 pages
4 sources, 4 formats3 follow-ups, 9 days

Fragmented

  • PDFs, payslips and screenshots
  • From different places, in different formats
  • One chase at a time
WithWeMoney Connect
  • One consent journey collects the accounts the applicant chooses to connect
  • The connected-account information arrives structured for your team to review
02
DeclaredBank showsLiving costsa month$2,400$3,115Debts1 debt3 debtsIncomea month$6,240$6,240

$715 a month of living costs and two debts are missing from the declaration.

2 of 3 wrongIllustrative

Less accurate

  • Declared figures miss the real living costs
  • Bureau coverage varies, and transactions can show repayments the file does not
  • The gap only shows up in arrears
WithWeMoney Connect
  • Income, expenses and commitments read from the transactions
  • Every figure labelled with its source
03
Payslip_0914.pdfNet pay$4,528$6,528Edited

Password shared with a third party

Less secure

  • Screen scraping asks for banking passwords
  • Documents are easy to edit
  • Neither can be fully trusted
WithWeMoney Connect
  • Data comes from the applicant’s bank under a Consumer Data Right consent
  • No passwords, no uploads to edit
Two ways in

Log in with WeMoney, or connect in place.

Existing WeMoney members share the accounts they have already connected with one tap. Everyone else connects their bank inside your form, in one consent journey with authorisation at their bank.

01

Log in with WeMoney

A button on your page

apply.harbourlinefinance.com.au
HFHarbourline FinanceStep 2 of 4
Financial profile Connect your accounts

We need 90 days of income and expenses to assess your $25,000 personal loan.

Continue with WeMoney Connect a bank directly Upload PDF statements Secured by Mastercard
WeMoney×
HF
Share with Harbourline Finance?

For your $25,000 personal loan: 90 days of transactions from the accounts you choose.

CommBankEveryday 4471
NABLow Rate Card 6035
Read only24-hour collectionNo passwords
Confirm and share Not now

Members: one tap, no bank login.

02

Embedded connection

Inside your own form

Everyone else: one consent journey, any of 118+ institutions.

WeMoney Connect
Two layers of intelligence, designed for lending

Decision IntelligenceandMerchant Intelligence.

Bank data shows what happened. WeMoney reads it twice: once to name every transaction, and once to measure what the applicant can afford.

Layer 01

Decision Intelligence

Measures what the applicant can afford.

Serviceability, a monthSample file
IncomeSalary $9,050 and $42 other, monthlyDeclared$9,092
Living expensesHigher of declared and HEMDeclared$2,600
HousingRent, monthly, matches declaredConnected$2,374
CommitmentsCredit card repayment, declaredConnected$406
Net capacityAfter a $100 bufferDerived$3,612
  • Income, expenses, commitments and risk, measured from the applicant’s own accounts
  • Structured for assessment against your policy
  • Every figure labelled with its origin: declared, connected or derived
IncomeExpensesHousingCommitmentsRiskNet capacity+ more
Layer 02

Merchant Intelligence

Names every line and where the money went.

One line, resolvedEFTPOS WOOLWORTHS 1294 MARRICKVILLE AU
WoolworthsWoolworthsOne of more than 372,000 Australian merchants
Legal entityWoolworths Group Limited
ABN88 000 014 675
CategoryGroceries
Codeshopping.groceries
Lending classEssential living expense
LocationMarrickville NSW 2204
  • Every transaction matched to a recognised merchant
  • Categorised for lending, so it is clear where the money is spent
  • Raw bank descriptions replaced with names your team and your customers understand
MerchantABNCategoryCodeLending classLocation+ more
Where the data arrives from

Receive data wherever the application begins.

WeMoney Connect works with the channels through which your applications already arrive, and every channel delivers the same file.

Your application formStep 2 of 4
Loan amount$18,000
WeMoney ConnectConnect your accountsContinue
At the startPart-way throughAt assessment
Channel 01

Your platform

Embed the widget in your form at any step, or send a hosted link by SMS, email or QR code.

Broker CRMApplication lodged
WeMoney ConnectOne consent journey
The lenderChosen by the applicant

The broker sends a WeMoneyID link, and the applicant consents on their own phone.

Channel 02

Broker groups

Broker groups send the applicant a WeMoneyID link, and the file reaches you with their application.

BrightMatch$18,000 car loan
HHarbourline FinanceCar loansShare my data
2 banks already connected
Channel 03Sharing coming soon

BrightMatch is live today. Sharing matched members’ connected data with you through WeMoney Connect is coming soon.

WeMoney ConnectOne file for your assessorsThe same evidence in the same format, whichever channel the application came through.
portal.connect/applications/REF-448102/serviceabilityHW
WeMoney ConnectApplications / REF-448102

Holly Ward

$18,000 car purchase 60 months at 10.5% p.a.

Submitted4 minutes after consent
Services the requestNet capacity of $3,612 a month covers the $387 repayment with $3,225 to spare. Four of four guardrails passed.
Ready for sign-off
Capacity a month40% of income
$3,612net capacity after expenses, commitments and a buffer
LivingHousingCommitmentsBufferNet capacityRepayment
Repayment$387Left after it$3,225Maximum loan$168,047
How it was worked out
LineSourceA month
IncomeDeclared$9,092
Living expensesDeclared-$2,600
HousingConnected-$2,374
CommitmentsConnected-$406
BufferDerived-$100
Net capacityDerived$3,612
Guardrails4 of 4
  • Income3 of 3 salary payments found. $9,050 salary plus $42 other income used
  • Living expensesDetected $2,239 against $2,600 declared
  • HousingRent detected monthly, matches declared
  • Loan repaymentsThe one card found was declared
EvidenceEveryday 4471GoalSaver 9920Low Rate Card 6035
The products

One platform to collect, enrich and assess financial information.

Select the capabilities that suit your customers, your credit policies and your workflow.

WeMoney ConnectCollect

WeMoneyID

A streamlined start for applicants and a single reference for your team.

Sign in with WeMoneyMembers share the accounts they have already connected.
118+ institutionsOne consent journey, the accounts the applicant chooses, about two minutes.
Applicant detailsCaptured in the same flow.
One referenceA WeMoneyID for each financial snapshot the member chooses to share.
The widget for Harbourline Finance, an example lender: your banks are connected, three accounts at two banks, ready to share

BeforeThe bank export

  • WOOLWORTHS 1294 MARRICKVILLE-53.37
  • NORTHGATE LOGISTICS PAY9,057.00
  • RAY WHITE MARRICKVILLE RENT-2,340.00
  • NAB CARDS PAYMENT-400.00
  • UBER *TRIP HELP.UBER.COM-22.27
  • TRANSPORTFORNSW OPAL-36.16

AfterMerchant and category

  • WoolworthsGroceries-$53.37
  • NNorthgate LogisticsSalary+$9,057.00
  • Ray White MarrickvilleRent-$2,340.00
  • NABCredit card-$400.00
  • UberRideshare-$22.27
  • Transport for NSWPublic transport-$36.16
WeMoney ConnectEnrich

WeMoney Enrich

Bank data shows what happened. Merchant intelligence shows what it means.

372,000+ merchantsEach identified by name, ABN and category.
A lending taxonomy185 categories across 17 domains, built for serviceability and risk.
Clear descriptionsRaw bank text replaced with names your team knows.
Income and debts markedSalary, rent and repayments told apart.
BYODBring your own data

Enrich, with the data you already hold.

Send bank feeds, statements or your aggregator’s output through the API and receive every line back with the merchant, the ABN, the category, the code and the lending class. No new bank-connection journey, where you have authority to share the data, and no portal required.

  1. 1Send your linesBank feeds, statements or aggregator output, as they are
  2. 2Enrich reads each one372,000+ merchants and a lending taxonomy of 185 categories
  3. 3Enriched lines come backMerchant, ABN, category, code and lending class, through the API
Register for early accessEnrich BYOD is priced per thousand transactions enriched. Pricing is provided on request.
POST /enrich/v1/lines
// your line, as the bank sent it
{ "description": "WOOLWORTHS 1294 MARRICKVILLE", "amount": -53.37 }

// the same line, enriched
{ "merchant": "Woolworths", "legalEntity": "Woolworths Group Limited",
  "abn": "88 000 014 675", "category": "shopping.groceries",
  "lendingClass": "Living expense, essential",
  "location": "Marrickville NSW 2204" }
One integrationPriority waitlist for sandbox accessVolume tiers
WeMoney ConnectAssess

Agentic Assess

The full assessment suite, configured to your credit policy and delivered in the format your business requires.

Decision IntelligenceIncome, expenses, commitments and risk, each with its source.
Policy configurationYour rules on every file; the decision stays with your team.
Risk detectionGambling, BNPL, short-term credit and dishonours, 14 days to 12 months.
Flexible deliveryReview in the portal, with separately scoped API integration.
portal.connect/applications/REF-448102/serviceability

Every application assessed by an agent that shows its working, before a person opens the file.

  • Runs the whole assessment on the Connect workbench
  • Checks every figure against the bank data
  • Applies your policy to every file
  • Drafts the recommendation for your assessor’s signature
  • Automated checking
    • Every figure against the bank data
    • Every declaration against your policy
  • Policy rules
    • Your thresholds on every file
    • Exceptions flagged for review
  • Risk signals
    • Gambling, short-term credit and dishonours
    • Counted and dated, never decided
  • Your sign-off
    • The agent drafts and recommends
    • Your assessor decides
  1. TodaySurplus, benchmarks and guardrails in the API
  2. NextIncome shading, ratios and the verdict, specified
  3. ThenThe full suite: automated checking and a drafted recommendation
What your team receives

Built for rigorous lending teams.

WeMoney’s Decision Intelligence platform prepares each assessment and delivers it securely, allowing your team to focus on judgement rather than preparation.

Income$9,092/moTotal outgoings$5,380/moIncluding commitments$406/moCapacity$3,612/mo

Statement of Position

One standardised statement. Capacity includes a $100 buffer after total outgoings.

  • Income and expenses
  • Assets and liabilities
  • One format across every applicant
Income$9,092Expenses and a bufferNet capacity $3,612

Serviceability report

Capacity to repay, worked out.

  • Net capacity after expenses and a buffer
  • Assessed against your policy settings
  • Every figure with its source
Gambling0BNPL0Short-term credit0Dishonours0

Risk detection

Signals, not decisions.

  • Gambling, short-term credit and buy now pay later
  • Dishonours and collections
  • Each occurrence counted and dated
98%Category coverage

Category coverage

Named, not guessed.

  • 98% of transactions named to their merchant and category
  • Matched to recognised merchants, not keyword guesses
  • Less time reviewing categorisation
HEM floorKnockout libraryCalculation windows

Policy alignment

Your policy, applied.

  • Your rules and thresholds
  • Your calculation windows
  • Outputs in your format
What it unlocks

Decision Intelligence: every figure with its source.

Serviceability profileCar loan, $18,000 over 60 months
Income$9,092Outgoings$5,380Buffer$100Capacity$3,612
$9,092Income
-$2,600Living
-$2,374Housing
-$406Debts
-$100Buffer
$3,612Capacity
-$387New loan
$3,225Surplus
Left after the new repayment$3,225 a monthServiceable
Income detectionNorthgate Logistics, every 30 days3 of 3 pays
15 Jun+$9,05730 days15 Jul+$9,05730 days14 Aug+$9,057
Declared salary$9,050Monthly equivalent$9,189Salary used$9,050

Illustrative 30-day pay cycle: $9,057 × 365.25 ÷ 30 ÷ 12 = $9,189 a month, rounded. This example uses the lower declared salary of $9,050, plus $42 other income, for $9,092 total income.

Risk detectionHow the accounts are run
Dishonoured paymentsNoneClear
Overdrawn daysNoneClear
Gambling spend$0Clear
Cash withdrawals$0Clear
Income variationThree equal paysLow
Everyday balanceRising since JuneStrength
Savings$500 a fortnightStrength
Nothing to explainNo knockout on your policy
HEM benchmarkLiving costs, a monthHighest used
DetectedFrom 182 lines$2,239
HEMSingle, renting$2,412
DeclaredUsed, the highest$2,600

Bank data, declarations and derived measures, each labelled with its source.

A clear view of the applicant’s position

Income streams, living expenses, housing costs and commitments, identified from transaction data rather than self-declared figures.

Supporting your verification process

Consented account data, with every figure labelled with its source, so your team can see where each number comes from.

Consumer Data Right

Making it easier to meet your responsible lending obligations.

Flexible delivery

Delivered the way your process already works.

  • An API integrated with your decisioning platform
  • A report accessed securely in the WeMoney portal
  • A dedicated web portal for your assessors
  • One integration serves every channel
webhook
deliverable.ready  cs_9f8e7d6c5b4a"serviceability": {  "netCapacity": 3612,  "guardrails": "4 of 4" }
Delivered in about 4 minutes
API

Into your decisioning platform

  • At the applicant’s direction, a copy is sent to their chosen lender or broker workspace through the agreed API workflow
  • Structured JSON with every figure and its source lines
  • A webhook when each deliverable is ready
  • Suited to origination platforms and broker CRMs
SummaryServiceabilityTransactionsAttachmentsIncome$9,092Total outgoings$5,380Capacity$3,612Capacity includes a $100 buffer. Open each figure to its source lines.
Web portal

For your assessors, without an integration project

  • Review the assessment and open any figure to its transactions
  • Resolve flagged items within the portal
  • Available from the first day
Dated 22/09/2026Assessment report, REF-448102Statement of PositionServiceabilityRisk detection
Portal report

A report in your WeMoney workspace

  • A secure assessment report accessed in the WeMoney portal
  • Review each connected account in the portal
  • Give authorised assessors portal access for the agreed purpose and duration

Bring financial information and assessment outputs into your workflow through the agreed portal, PDF or API delivery. Applicants choose whether to send a copy of their financial snapshot to your workspace, managed by WeMoney.

POST /connect/v1/sessions, webhook, GET /report
// Illustrative payload. Confirm field names in the agreed API specification.
// At the applicant’s direction, a copy is sent to their chosen lender or broker workspace through the agreed API workflow.
// 1. Create a session for the application
POST /connect/v1/sessions
{ "lenderReference": "APP-2026-004521", "returnUrl": "https://apply.lender.com.au/verified",
  "deliverables": ["report"],
  "applicant": { "firstName": "Holly", "email": "holly.ward@example.com" } }
201 { "sessionId": "cs_9f8e7d6c5b4a", "flowUrl": "https://..." }

// 2. Your webhook hears when the report is ready
{ "type": "deliverable.ready", "sessionId": "cs_9f8e7d6c5b4a", "deliverable": "report" }

// 3. Fetch the agreed API report
GET /connect/v1/sessions/cs_9f8e7d6c5b4a/report
// Income: $9,050 salary + $42 other. Expenses include $406 commitments.
// $9,092 - $5,380 - $100 = $3,612 capacity.
200 { "serviceability": { "monthlyIncome": 9092, "monthlyExpenses": 5380, "monthlyBuffer": 100,
         "netCapacity": 3612, "guardrails": { "passed": 4, "of": 4 } },
       "sources": "/connect/v1/sessions/cs_9f8e7d6c5b4a/lines" }
Priority waitlist for sandbox accessTest banks and sample applicantsOpenAPI specificationSigned webhooksIdempotent requestsHosted in Australia
Integration

1REST API

  • Sessions, reports, statements and webhooks
  • The sandbox runs the same API as the live service
POST /sessionsGET /reportdeliverable.ready
Delivery

2Access channels

  • JSON through the API
  • A web portal for your assessors
  • Reports accessed in the portal
JSONWeb portalPortal reports
Applicant

2minutes for the applicant

  • From the first screen to sharing
  • On their own phone
  • No documents to upload
Choose bankConsentShare

Access through WeMoney

WeMoney is the accredited data recipient. Access is arranged for the agreed service and purpose when the applicant chooses to share. We confirm the available data and access requirements before onboarding.

Consumer Data Right
The applicant’s experience

Designed for the real Australians who apply.

Today’s applicants expect a fast and transparent process in which they remain in control. WeMoney Connect is designed to meet that expectation.

Built with the WeMoney members who use the app every day.

  • The reach of WeMoney

    The WeMoney app has been downloaded more than 1.6 million times. Members can sign in with WeMoney and share the accounts they have already connected.

  • Regulated data sharing

    WeMoney is an accredited data recipient under the Consumer Data Right. Applicants choose which accounts to connect and authorise access with their bank.

The consent step: what data is shared, with whom, and for how longChoosing the bank: the applicant picks their bank and authorises access with itAccounts connected: three accounts at two banks, nothing shared yet
  • No shared passwords

    Applicants authorise access directly with their bank. Their banking credentials are never shared.

  • Applicant control

    One consent journey covers multiple institutions, with authorisation at each selected bank. Applicants can stop WeMoney collecting from their bank at any time, and a lender’s access ends automatically on the date shown.

WeMoneyConsumer Data Right

Sharing record

Recorded by WeMoney when the applicant chose to share
IllustrativeActiveCDR-7A2F-91K3
PurposeAn $18,000 car loanApplication assessment
HFCan viewHarbourline FinanceAustralian Credit Licence 000000
ScopeBalances and 90 days of transactionsAccount details, 3 accounts
RecordedBy WeMoneyWhen the applicant chose to share
3 accountsEveryday 4471GoalSaver 9920Low Rate Card 6035
  1. Shared22 September 2026, 09:38 AWST
  2. Access ends22 October 2026, 30 days
  3. Ends automaticallyOn the date shown, no later than 30 days after sharing

✓Every figure in the file links back to this record and its source lines.

WeMoneyFinPassFor consumers and brokers

Your clear financial position, ready to share.

A dated summary of income, living costs, housing and commitments, drawn from the member’s connected accounts under a Consumer Data Right consent, with every figure labelled by its source. The member builds it once and shares it with a broker or a lender in one tap.

Members can review their FinPass, then choose to send a copy to their lender or broker’s workspace, managed by WeMoney. FinPass is available as a PDF, through the portal and via API.

For consumers

  • Built in the WeMoney app from the accounts you have already connected
  • Dated, in your name, with every figure labelled by its source
  • Choose who can view your information in WeMoney. Where sending is available, you choose each recipient and review what will be sent before confirming.

For brokers

  • A source-labelled summary of the client’s position before the application starts
  • No statements to chase and nothing to re-key
  • Applicants can send their broker a copy of their financial snapshot to support their loan applications. Brokers can share the copy with lenders where authorised and in line with applicable privacy obligations.
Register for early accessBrokers register here. Members build theirs in the WeMoney app.
Who it is for

Lenders, banks, brokers and platforms, each with its own fit.

The same consent and the same file, delivered into the workflow each organisation in the loan already runs. Select yours.

For ADIs and banks

Evidence your credit committee already trusts.

Where it fitsBetween the application and the assessor: the evidence step of your credit workflow, delivered by API into your origination platform or through the portal, under your policy.

Who owns itHead of creditCredit operationsInternal audit
Register for early access
  1. 1
    Policy-mapped categorisation
    • Living expenses, fixed commitments and liabilities in your definitions
    • Your calculation windows, tested against the benchmark you specify
  2. 2
    Source-linked serviceability
    • Every figure traces to its transactions
    • Account coverage, data period and consent reference attached
    • Ready for credit and audit
  3. 3
    Risk signals, not decisions
    • Gambling, short-term credit, early wage access, dishonours and collections as named counts
    • The approval stays with your licensed assessor
118data holders reachable in one consent journey
90 daysof transaction history structured in minutes
0statements re-keyed
Consumer Data RightConsumer data and security

Consent first. Every figure with its source.

Applicants choose which accounts to connect, then separately decide whether to send a copy of their financial snapshot to a lender or broker.

Data held in WeMoney’s CDR system remains protected by CDR requirements. A copy sent to a lender or broker is handled under applicable privacy law and the recipient’s disclosed privacy policy. Withdrawing CDR consent does not recall a copy already sent.

WeMoneyConsumer Data Right

Sharing record

Recorded by WeMoney when the applicant chose to share
IllustrativeActiveCR-7F3A-2026-0914
PurposeA $25,000 personal loanAutomated assessment and manual review
Data recipientWeMoney Pty LtdAccredited data recipient, ADRBNK2009
HFCan viewHarbourline FinanceAustralian Credit Licence 000000
ScopeBalances and 92 days of transactionsAccount details, 3 accounts
3 accountsEveryday 4471GoalSaver 9920Low Rate Card 6035
  1. Shared14 September 2026, 09:38 AWST
  2. Access ends14 October 2026, 30 days
  3. Ends automaticallyOn the date shown, no later than 30 days after sharing

✓Every figure in the file links back to this record and its source lines.

Purpose-bound sharing

  • Chosen by the applicant for a named lender and purpose
  • Never reused unless purpose, authority, freshness and the delivery journey all support it

Source-linked records

  • Every income, expense and liability figure traces to its transactions
  • Account coverage, data period and timestamps attached

Controlled access

  • Access limited to authorised users
  • Data governance agreed in writing before the first file

The evidence boundary

  • Unknown coverage, ambiguous merchants and consumer declarations are flagged for review
  • Policy, serviceability and the decision stay with you
Accredited and licensed
Consumer Data RightWeMoney Pty LtdAccredited data recipientACL 526330Australian Credit Licence, ASICSecured by Mastercard

WeMoney uses Mastercard’s open banking infrastructure to collect bank data through the Consumer Data Right.

Recognised
Finnies 2025 winnerFinTech and Banking Awards 2025 winnerAustralian FinTech Awards 2024 winner
Security
AustraliaCDR data stored here, with access and processing set out in WeMoney’s CDR policyControlled accessFor authorised users

Consented connections to 118 institutions arrive on the same rails, under the same controls.

Platform features

Every capability, and the product that provides it.

Twenty capabilities across the five solutions, grouped by the stage of the application they serve. A filled mark shows the product each one belongs to.Capabilities are grouped by application stage. Each label shows the product that provides it.

Capability
WeMoney ConnectWeMoneyIDCollect
WeMoney ConnectEnrichEnrich
WeMoney ConnectAgentic AssessAssess
WeMoneyFinPassShare
WeMoney ConnectBrightMatchAcquire
Collect4 capabilities
Sign in with WeMoney

Account sharing for existing WeMoney members.

WeMoneyID
Bank connection

Access to 118+ financial institutions in one consent journey, with authorisation at each selected bank.

WeMoneyID
Applicant details

Capture of assessment information within the same flow.

WeMoneyID
WeMoneyID

A single reference for each financial snapshot the member chooses to share.

WeMoneyID
Enrich3 capabilities
Merchant intelligence

More than 372,000 Australian merchants, identified by name, ABN and category.

Enrich
Lending taxonomy

Categories structured around serviceability and risk.

Enrich
Clear transaction descriptions

Raw bank descriptions replaced with recognisable merchant names and categories.

Enrich
Assess8 capabilities
Decision Intelligence

Measures of income, expenses, commitments and risk, each labelled with its source.

Agentic Assess
Risk detection

Gambling, short-term credit, buy now pay later and dishonours, measured over periods from 14 days to 12 months.

Agentic Assess
Statement of Position

Income, expenses, assets and liabilities in a standardised format.

Agentic Assess
Serviceability report

Capacity to repay, assessed against your policy settings.

Agentic Assess
Policy configuration

Your rules and thresholds, applied consistently to every application.

Agentic Assess
API

Direct integration with your decisioning platform. At the applicant’s direction, a copy is sent to their chosen lender or broker workspace through the agreed API workflow.

Agentic Assess
Portal report

A secure assessment report accessed in the WeMoney portal.

Agentic Assess
Web portal

A dedicated workspace for your assessment team.

Agentic Assess
Share3 capabilities
FinPass

A dated summary of the applicant’s position, each figure labelled with its source, which the applicant shares with a broker or a lender.

FinPass
Member sharing

Existing WeMoney members share the accounts they have already connected, with no new bank login.

FinPass
Reuse across lenders

One FinPass can support multiple lender applications, provided each use is authorised, fits the agreed purpose and uses information that is sufficiently up to date.

FinPass
Acquire2 capabilities
Matched borrowers

Borrowers matched to your eligibility rules before they apply.

BrightMatch
Consented introductions

Applicant-initiated introductions, with the evidence already prepared.

BrightMatch
Pre-registration

WeMoney Connectis ready for pre-registration.

Pre-register, and our team will contact you to understand your current process and identify where Connect can add the most value.

Consumer Data RightAccredited data recipientADRBNK2009, unrestricted
  • One consent journey, 118+ institutions
  • Every figure with its source
  • Your policy, applied
  • Members choose what to share and with whom
Designed forBanks and ADIsNon-bank lendersMutualsAuto and asset financeBrokers and aggregatorsPayments providers
Perth and Sydney based team. Australian Credit Licence 526330.
Rolling out in OctoberPriority waitlist for sandbox access
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