Contract Detection shows your sales team which recurring payments an end customer is making to competitors — automatically identified from shared account transactions, with explicit consent, as part of the existing verification process.
Use Case · Competitive Insights
The competition is in plain sight — for your advisor.
Insurance · Telecommunications · Energy & Mobility
- Advisory meetings in insurance sales
- Energy and mobility contract closings
- Subscription models in competitive markets
- Cross-selling and upselling with existing customers
About This Solution
FINcredible automatically identifies recurring payments your end customers are making to competitors — from account transactions that the end customer actively shares as part of the existing verification process. The result appears directly in the advisor’s evaluation PDF. Targeted conversations instead of guesswork.
Better advice — with the right data.
Better advice, more closings
Switching potential and upselling based on real data — not assumptions.
Consent-based only
The end customer actively grants access during the verification process. No consent — no analysis.
No additional effort
Runs in parallel with the creditworthiness check — seamlessly integrated, no extra step for the end customer.
No more than necessary — but exactly what matters.
FINcredible identifies recurring payments to known providers from the shared account transactions: payee and monthly amount. Payments are detected across relevant categories — insurance, telecommunications, energy and other subscription services.
What FINcredible does not detect: contract details, durations or the number of individual contracts. Only what is visible on the bank statement as a recurring payment — no more, no less.
How FINcredible Works? Technology and infrastructure for secure digital financial, identity and verification processes.
Ready to Secure Your Business. Contact Us Today & Scale Your Growth
Questions
What exactly is detected — and what is not?
Recurring payments to known providers are detected: payee and monthly amount. Contract details, durations or the number of individual contracts are not detected — only what is visible on the bank statement as a recurring transaction.
Does the end customer know that their payments are being analysed?
Yes — the end customer actively consents to sharing their account transactions as part of the verification process. Without this consent, no analysis takes place.
Is Contract Detection GDPR-compliant?
Yes. The analysis is carried out exclusively on the basis of active consent, via PSD2-compliant processes, without permanent data storage beyond the verification process.
Which industries is Contract Detection particularly suitable for?
Particularly for insurance providers, telecommunications companies and energy suppliers — wherever switching potential, upselling or consolidation offers are central sales tools.
Can Contract Detection be combined with other FINcredible solutions?
Yes — Contract Detection runs in parallel with the creditworthiness check and household analysis. No additional process step for the end customer.
Testimonials
See what our clients say about working with us.
5/5
“FINcredible demonstrates what responsible handling of user data protection can look like. For the founders, data privacy is a top priority.”
Philipp Kinsky, Partner, HERBST KINSKY Rechtsanwälte GmbH
5/5
“FINcredible has an enormously strong team. With their product ‘FINcredible MietCheck’ and their focused market approach, this FinTech company has extraordinary potential.”
Patrick Pöschl, Chairman, Fintech Austria
5/5
“ImmoScout24 continuously improves its service for property seekers. The partnership with FINcredible for creditworthiness checks helps future tenants present themselves competently and credibly to landlords, while protecting their data far better than has traditionally been common practice.”
Markus Dejmek, Austria Country Manager, ImmoScout24
5/5
“Currently, willhaben lists more than 20,000 rental apartments and over 1,300 houses for rent. Once someone has found their dream property with us, they often have very little time to stand out against other prospective tenants. That’s why we’re glad to have FINcredible as a partner at our side, making the property search even easier for our users while placing just as much value on security and data protection as we do.”
Judith Kössner, Head of Real Estate, willhaben
5/5
“We wanted to close the gap between modern property management and well-founded tenant decisions. With FINcredible, we’re integrating a solution that creates transparency and supports owners in one of the most important decisions in the rental process.”
Laurens Pohl, CEO, ImmoAssist
5/5
“Our goal is to make financing as simple as possible, without losing sight of responsibility or reliability.”
Herbert Hirscher, CEO, Mercedes-Benz Financial Services Austria
5/5
“With this modern solution, which we are initially testing in the Diocese of St. Pölten and then plan to roll out across Austria, we are creating a win-win situation: more efficient processes for us, the highest security for our donors, and an active contribution to environmental protection.”
Christoph Riedl, Secretary General, Caritas St. Pölten
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