of the future

Increase acceptances, reduce losses, and improve margins with our AI-powered credit risk and financial health analytics platform.

Fuse empowers businesses to make the best decisions using transaction and credit file data.
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Our products

Real-time cashflow insights

Our industry leading income and expense verification models help you make robust affordability assessments, instantly.

Our models were trained on hundreds of millions of data points, and compared against 5+ providers in the market, showing superior performance every time.  
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Powerful credit risk prediction

Use our algorithms trained on real lending outcomes data to achieve up to +21pp increase in Gini.

We provide 1,000+ credit risk features and a credit score to boost your scorecards, helping reduce losses by over 30%.
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Early financial vulnerability detection

We analyse transaction data in real-time to provide ongoing financial health monitoring. 

Identify signs of distress early and fulfil FCA Consumer Duty requirements, while increasing on-time payments by up to 18%. 

Why use Fuse?


Reduction in a client's loss rates shown using Fuse's decisioning models


Gini uplift over Delphi, with a 0.65 Gini coefficient.


Proprietary data points used to train our credit risk models

Fuse offers

#1 transaction labelling accuracy

Compared to five incumbents we benchmarked


Our NLP models allow you to scale to any language or geography, reducing re-integration requirements

Analytics dashboard

Available with our API to support underwriting and reporting

Bring your own data

Our solution works with any major transaction or credit file data provider. No need to replace existing integrations.

One low friction check

We provide affordability, credit risk, and credit health monitoring from a single check, reducing friction for your customers

Seamless onboarding

Hands-on support by a team of credit tech experts mean we get you live in weeks, instead of months

Who uses Fuse?

Non-bank lenders

Use us to improve margins with superior affordability and credit risk checks at point of application.

Deposit holding lenders

Use us to monitor customer financial health and detect arrears risk early, boosting responsible lending practices.


Use us to prepare for upcoming regulation by the FCA, with a one-stop, low friction solution for affordability and credit risk checks.

Build with confidence


Our API is designed to be scalable and resilient to your workload, no matter how bursty or unpredictable.

See our public uptime records and explore our SLA commitments to you.


We have clear and easy to navigate docs on our REST APIs, with code snippets ready to go in the languages of your choice. Open API specifications are also available for integration into your development tooling.

Get support from the Fuse Onboarding team to help you get setup as quickly as possible.

Secure & Compliant

All data is encrypted in-transit and at-rest and we follow strict security processes.

We also provide clear and easy to use APIs around GDPR compliance.

Start making better decisions today