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🚀 Leverage Real-Time Open Banking Data

Unlock Smarter Lending Decisions
with ABA Performance Metrics API

Leverage Open Banking data to evaluate the true performance of routing numbers before you fund a loan.

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FinIQ Lab FinIQ Lab
Features

FinIQ Lab delivers smarter,
data-driven insights for better lending
decisions.

  • FinIQ Lab Bank Health Score
  • FinIQ Lab NSF & Return Rates
  • FinIQ Lab Account Activity Volatility
  • FinIQ Lab Bank Type Insights
  • FinIQ Lab Daily Data Refresh
FinIQ Lab
FinIQ Lab
FinIQ Lab
FinIQ Lab
FinIQ Lab
What is FinIQ Lab?

FinIQ Lab is a powerful
API service that connects with Open Banking
data.

Analyze and return performance metrics on U.S. bank routing (ABA) numbers with Open Banking data. FinIQ Lab helps lenders assess the quality of a borrower’s bank account based on historical repayment behavior and transaction trends—before any funds are disbursed.

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Bank Health Score NSF & Return Rates Account Activity Volatility Bank Type Insights Daily Data Refresh
Why Choose Us?

Smarter Lending Decisions
with Data

FinIQ Lab
Smarter Risk Evaluation

Identify accounts tied to high NSF rates, returns, or volatile activity—before approving a loan.

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FinIQ Lab
Data-Backed Lending

Use performance insights to flag high-risk bank accounts and prioritize accounts with better repayment outcomes.

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FinIQ Lab
Easy API Integration

RESTful architecture ensures quick integration with your loan origination or decisioning platform.

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FinIQ Lab
Stronger Loan Portfolios

Boost performance by eliminating accounts that historically underperform across repayment metrics.

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Unlock Smarter Lending Decisions
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FinIQ Lab
Key Features
Bank Health
Score

Returns a score from 0–100 reflecting the overall repayment behavior associated with a routing number.

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NSF & Return Rates

Get historical failure trends for accounts linked to the ABA number.

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Account Activity Volatility

Evaluate stability of transaction behavior tied to the routing number.

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Bank Type
Insights

Flags prepaid accounts, fintech-issued routing numbers, and banks outside preferred partner lists.

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Daily Data
Refresh

Continuously updated with live Open Banking feeds to ensure accuracy.

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Built for Lenders and Underwriters

FinIQ Lab is

ideal for

  • Direct Lenders
  • Installment Loan Providers
  • Subprime Credit Platforms
  • Alternative Credit Platforms
  • BNPL
  • Line-of-Credit
  • Lease-to-Own Models
  • Risk & Fraud Prevention Teams
working process

How It Works?

Call the API

Call the API with a bank routing number

Receive Insights

Receive Instant Insights including performance score, trend indicators, and stability flags

Use it in Real-Time

Use in Real-Time for pre-funding checks, underwriting, or fraud filtering