The future of financial payments,
tomorrow.
today.
A complete payment platform engineered to lower defaults through machine learning and AI.
Receive a call from our business specialists.
Go to Contact Form- Financial
- Intelligence
- Network
- Algorithm
Fiona Digital Ecosystem
Fiona Transactions
- Transactional bank statement data categorisation scoring
- Deliver rich insights and experiences
- Production-ready integrations with modern tools
Fiona Identify
- Verify user’s identity
- Non-traditional data analysis
- Reduce fraud through scoring
Fiona Income
- Verify user’s income
- Employer information
- Automated validation of authenticated accounts
Fiona Predict
- Configurable credit scoring
- Machine learning and artificial intelligence
- Health, risk & spending scores.
Fiona Engine
- Automate contract issuance
- Seamless payment schedules
- Regular or once-off payments
Fiona Pay
- Engineered to reduce dishonours
- Integrated payment system
- Instant Reconciliation
Fiona Pay — world’s first patented smart direct debit system.
Fiona Knows
Fiona knows your customer – Do you? Income account identification, auto-switching to new accounts using pattern analysis.
Fiona Focus
Fiona Focuses on the pay-time of the user to increase settlement rate.
Fiona Cares
Fiona cares about your payments. World’s first smart direct debit built by lenders, for lenders. Increasing your revenue by reducing their dishonours.
Our Strengths
Bank statement analysis
Data access is the backbone of FinTech Innovation. We create the technological bridges between new applications and their users. Focus on building a beautiful product, and let us be the plumbing.
Machine learning for data driven scoring
Gone are the days of just looking at a credit file. Make data driven decisions to create your own credit policies and scoring, using real data for real results.
Revolutionising the way payments are made
Our mission to make payments Fiona Authenticated. Instant settlement. Effortless and Secure. Decentralising payments by connecting directly to the users banking system.
Smart and Secure Learning
We keep learning. Using cutting-edge security infrastructure to transmit data over encrypted tunnels. The latest tools and protocols to spearhead security innovation.
Enjoy the ride with our revolutionary set and forget system.
Contact Our TeamCase Study
Why buy electronics, appliances and furniture? Rent Instead.
| Before | High dishonour rate with $5,000 monthly dishonour fees charged to both Rent Instead and their customers. |
| After | Fiona cared. Dishonour rate decreased by 252%. Zero dishonour fees. |
Making travel accessible for everyone.
| Before | Manual confirmation of customer’s identities created a bottleneck slowed PayLater Travel’s conversion rate. |
| After | Fiona identified. Validated identities automatically with a fraud risk score. |
Smart loans for Smart People.
| Before | Turn-around time of 4 days. Manual submission of bank statements. Manual categorisation of income and expenses. |
| After | Fiona transacted. Turn-around time of 2 hours. Frictionless bank statement submission. Automatic categorisation of scoring of financial data. |
The Problem & Solution
- Two-Day Settlement Time
- No insight to user’s account
- High dishonour fees and charges
How did we solve the problem?
- Full balance required
- Queued based on priority
- No account verification
- Instant Reconciliation of payments
- Rich insights to customer’s spending habits
- Pattern Analysis of pay time
- Multiple debit requests
- No dishonour fees
- First priority to funds
Introducing a world's first patented smart direct debit system using AI and Machine Learning.
- Unprecedently low dishonour rate
- Increased cash-flow and revenue
- Rich insights and understanding the user’s financial wellbeing
FinTech Disruption
Manual ID Verification
Check-List Decisioning
Physical Paperwork & Manual Handling
Automated KYC & Fraudcee
Algorithmic Driven Decisions
Frictionless Contracts & Schedules
Join the ecosystem
Production-Ready Integrations
- Payment gateway
- Bank statement analysis
- Machine learning scoring
Intelligent Decisioning
- Rich insights
- Continuous learning functionality
- Pattern analysis of spending habits
Use Cases and Markets
The Problem
Obtaining a comprehensive picture of a user’s financial situation is manual and difficult when they are with multiple banks.
The Solution
Consolidating the user’s data with rich insights and categorisation of transaction data up to 180 days of history, making it easy to view and analyse.
The Problem
Onboarding process is manual and slow, with users being required to send documents, and staff required to verify manually.
The Solution
Frictionless onboarding and automatic submission of documents, checking all bank accounts including credit cards and home loans.
The Problem
Lenders need to understand the financial health of a customer. This is through collecting the person’s details, account history and balance. This creates quite a workload for both the borrower and lender. Also, verifying an account for payments is a cumbersome process.
The Solution
Fiona streamlines and enables interoperability of data faster. Lenders get rich insights to make informed decisions. Borrowers have a faster and easier loan experience.
The Problem
No insight into the financial situation of a customer means collection agencies are reliant on old and often irrelevant information.
The Solution
The solution: Connection to bank data to inform agencies of their user’s financial wellbeing to ensure they don’t fall into hardship.
The future is here. Join the revolution.
Contact Us
Send a message for us and we’ll get in touch shortly.