An important and inspiring conversation with Tatiana Sotnikova, our Product Manager 🎙️ Read it here: https://lnkd.in/ee4fNa_P In this Q&A, Tatiana shares her powerful story of fleeing Ukraine as a Chief Risk Officer. As someone with new-to-country status, she was met by a new financial services system in the UK that wouldn't even offer her a £500 credit card. Through perseverance and the use of open banking, Tatiana managed to build her credit score, eventually securing better financial products and achieving a near-perfect credit score 💸 We're very privileged to have Tatiana alongside us at Atto. If you have any questions for Tatiana, please comment below 👇 #CreditInvisibility #OpenBanking #FinancialJourney #NewBeginnings #AttoStories #Ukraine #CreditRisk #Lending
Atto
Financial Services
Edinburgh, City of Edinburgh 8,368 followers
From the past to the future, with Atto
About us
At Atto, we provide instant insights into the financial behaviours of borrowers through real-time transaction data. This allows for more confident decisions, more accurate predictions and more profitable portfolios.
- Website
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https://atto.co
External link for Atto
- Industry
- Financial Services
- Company size
- 11-50 employees
- Headquarters
- Edinburgh, City of Edinburgh
- Type
- Privately Held
- Founded
- 2010
- Specialties
- Account Aggregation, Income Verification, Credit Risk Decisions, Affordability, Credit Risk, Collections, Portfolio Management, Credit Scoring, and Predictive Modelling
Locations
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Primary
Norloch House, 36 King's Stables Road
Edinburgh, City of Edinburgh EH1 2EU, GB
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1390 Market St
Suite 200
San Francisco, California 94102, US
Employees at Atto
Updates
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Here's how Atto supports lenders to make better predictions across the entire credit risk lifecycle 👇 #Atto #CreditScoring #PredictiveModelling #OpenBanking #UseCases #CreditRisk #Underwriting
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We’re excited to share that Atto has been shortlisted in TWO categories at the Open Banking Expo! 🎉 🏆 Best Use of Data 🏆 Best Sector Initiative with one of our incredible customers, LegalforLandlords Legal for Landlords is known as "the complete insurance, referencing and professional services partner". We couldn't be prouder of providing our open banking solutions to streamline tenant referencing 👏 We can’t wait to celebrate with the other amazing shortlisted companies on 15th October in London 🌟 #OpenBankingExpo #Awards #OpenBanking #TenantReferencing #LegalForLandlords #TeamAtto
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Meet Tatiana Sotnikova 👋 Tatiana is our accomplished Insights Product Manager at Atto, bringing almost three decades of senior-level risk management expertise to the table. In her article, "From risk to reward: decoding affordability," she discusses the contemporary challenges facing underwriters and highlights the potential of bank transaction data as a valuable supplement. Dive into Tatiana's expert analysis on affordability assessments: https://lnkd.in/ecAi9ZWB #Finance #Fintech #CreditRiskManagement #Affordability #OpenBanking #Underwriting #CreditRisk #Banking
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📆 Mark your calendars! Atto & FICO are featuring at the Women in Alliances Summit 2024. 🎙️ Our Chief Commercial Officer, Clare McCaffery, and FICO’s Solution Success Director, Liz Ruddick, team up to present "Applied intelligence in the customer lifecycle" on 15th Oct @ 15:55 BST. Once again, we’re thrilled to share the stage with our valued partners at FICO 🤝 #WomenInAlliances #Atto #FICO #OpenBanking #Lending #RiskAnalytics #CreditRisk #AlternativeData #Partnerships
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Buy Now, Pay Later (BNPL) services offer flexibility and convenience to millions, but rapid growth has also brought challenges like rising debt and missed payments 🛍️ Our new article explores how open banking can help BNPL providers maintain the same flexible consumer experience while ensuring informed, responsible lending 💸 Read the full article here: https://lnkd.in/gz4X2hWQ #OpenBanking #BNPL #CreditRisk #CustomerExperience #Lending
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We've got news! Atto has been shortlisted for the Best Use of Data category at the DIGIT.FYI Scottish Financial Technology Awards 🎉 We're among some stellar company with Inicio AI, Level E Research & Predictiva 👏 A big congratulations and best of luck to all the finalists! #Awards #Data #AI #OpenBanking #CreditRisk
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That's right, we're speaking at the Motor Finance and Leasing Life conference in Frankfurt 🚗💨 Clare McCaffery takes the stage for the session "The Future of Auto Lending: Why Real-Time Data is Your Competitive Edge in a Changing Market" 🎙️ Catch Clare's session on Oct 18th @ 10:10 AM 👋 #AutoFinance #AutoLending #CreditRisk #OpenBanking #Affordability #IncomeVerification #Insights #Lending
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Atto's Tatiana Sotnikova discusses the contemporary challenges facing underwriters, highlighting the value of bank transaction as a key supplement in making informed affordability decisions👇 https://lnkd.in/ecAi9ZWB #OpenBanking #Affordability #CreditRisk #Lending #BNPL
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Thanks for featuring our partnership with FICO, The Paypers!
🌟 Take a deep dive into the most relevant #partnerships in the #banking and #fintech sectors from Q2 2024 with The Paypers. Our analysis showcased a tendency towards complementing and optimising preexisting offerings, developing new solutions, and expanding operations globally. In addition, companies concentrated on optimising their #AI features and mitigating potential issues that this technology can lead to if used maliciously. 💡 Open Banking and Embedded Finance implementation remained at the forefront of companies' and #banks’ minds, with #Europe maintaining its position as a growth hub for these practices. Shout out to FICO x Atto, Ozone API x Thistle Initiatives, Neonomics x Qvik, Endavu, Brite Payments x Shopware, Yapily x mmob, bunq, Atomic x Mastercard, Vyne x Keyloop, #Moldinconbank x Salt Edge, Trustly x BR-DGE, PayNearMe, Marqeta x Rain, #BudFinancial x Akoya, Fils x Aion Bank, Paymentology x Diamond Trust Bank. 🚀 #Digitalisation significantly contributed to organisations’ decisions to team up, with many of them working towards mitigating legacy systems and implementing modern technologies to better support their operations and customer experiences. Let’s give it to BANCOMAT S.p.A. x Nexi Group, Finqware x FWF, Volopa x Microsoft, The Bank of London x allpay Limited, C24 Bank GmbH x Mambu, GoCardless x Ecommpay, Topps Tiles. 🔐 With #fraud and financial crime being omnipresent across the industry and negatively impacting operations and growth, firms and financial institutions focused on compliance, risk management, and improving customer onboarding procedures. 🥜In a nutshell, either focusing on increasing #sustainability in the financial landscape, looking into optimising their capabilities in the banking sector, or increasing #crypto adoption worldwide, financial firms came together to keep up with the dynamic and ever-evolving industry. 👀 Explore further and tell us your thoughts: https://buff.ly/3WNY6oy