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Use Case

Smart Origination

Flexible journeys that maximise conversion.

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40%+
Higher Conversion vs. Incumbents
85%+
Zero-Touch Decision Rate
60%
Lower Data Costs
<90s
Avg. Application Time
Continuous Improvement

Engineered Around Two Goals

Relentlessly focused on two metrics — conversion rate and zero-touch decisioning. Everything follows.

Maximise Conversion Rate

Avoid friction that loses applicants.

Progressive data collection — ask less upfront
Mobile-first, branded experiences
Real-time eligibility feedback to keep applicants engaged
Failsafe routes when data sources are unavailable

Zero Manual Intervention

Every manual step costs money.

Data validation at point of capture
Cross-source verification eliminates referrals
Enrichment flags pre-answer underwriter questions
Configurable rules map to your credit policy
Cost Optimisation

Only Call Data When You Need It

We branch and optimise data calls.

Progressive Data Calls

Collect data in stages. If more information is needed, request it automatically. Most applications skip expensive sources.

Stage 1: Application form + soft credit check
Stage 2: Open banking — only if decisioning requires it
Stage 3: Document upload / ID verification — only for edge cases
Data Call Waterfall
Application Form100% of apps
Soft Credit Check100% of apps
Open Banking~40% of apps
Document Upload~8% of apps
Cost Saving vs. Call EverythingUp to 60%

Conditional Logic

Every step is conditional. Journey adapts to each applicant, showing different screens and routing based on signals.

Branch on credit score, income band, product type or any data field
Skip unnecessary screens for high-quality applicants
Route to alternative products automatically on decline
Journey Branching Example
Credit Score > 650Fast-Track
Credit Score 500–649Open Banking
Credit Score < 500Full Verification
Self-EmployedDoc Upload Path
Product SwitchAuto-Redirect

Cost Control

Control exactly which data sources are called and when, eliminating wasted spend on applications.

Eliminate wasted credit bureau calls on early-stage declines
Transparent cost-per-application reporting in the console
Flat platform fee — no hidden per-transaction mark-ups
Cost Comparison (per 1,000 apps)
Incumbent: Call Everything£8,200
Credit Canary: Smart Calls£3,280
Saving£4,920 (60%)
Annual Saving (10K apps/mo)£590K+
Data Quality

High Data Quality In, High Quality Decisions Out

Validate data at capture and cross-reference against multiple sources. Play information back to applicants.

Real-Time Validation
Addresses verified via PAF lookup, emails validated, phone numbers checked — all inline as the applicant types.
Cross-Source Verification
Open banking income matched against declared income. Credit file commitments reconciled with bank statement debits.
Data Playback
Financial data played back to the applicant for validation — reducing disputes and ensuring accuracy before it reaches the decision engine.
console.creditcanary.com
Data Quality Score
94%
Fields validated & verified
across all data sources
Identity
Name, DOB, Address
Verified
Income
Declared vs. Banked
Matched
Expenditure
Credit File vs. Bank Statement
1 Variance
Employment
Salary Credits Confirmed
Confirmed
Auto-Decision Eligible
Data quality threshold met · All mandatory fields validated · No referral triggers
Completely Flexible

Your Brand, Your Journey, Any Use Case

Fully configurable, white-label journeys for any brand and product — loans, mortgages, motor or SME.

White-Label Branding

Your logo, colours and domain throughout.

Custom CSS Custom Domain Your Logo

Configurable Steps

Drag-and-drop builder for screens with conditional logic, data calls and validation rules.

Drag & Drop Conditional No Code

Any Use Case

Consumer loans, mortgages, motor, cards, SME, BNPL.

Consumer Motor Mortgage SME
Flexible Integration

Deploy Your Way

Fully hosted, widget, or API access.

Hosted Journeys

Fully hosted, white-labelled application journeys on your custom domain.

Embeddable Widget

Drop the journey into your existing site or CRM with a single embed code.

REST API

Full API access to build your own front-end while using our data and decisioning engine.

Mobile-First

Every journey is responsive and optimised for mobile — where most applicants start.

Who Benefits

Smart Origination Across Your Business

Whether you're a product owner, operations lead or CTO — smart origination delivers measurable improvements across the board.

Product & Growth

Higher conversion rates mean more funded loans. A/B test and optimise every step.

Operations

Zero-touch decisions mean fewer underwriter cases. Focus on complex cases while platform handles the rest.

Finance & Cost Control

Progressive data calls reduce cost-per-application. Only trigger expensive checks when earlier signals justify them — protecting margins at scale.

Ready to Transform Your Origination?

See how smart origination boosts conversion.

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