Credit Sense

The Temenos Journey Manager package integrates the Credit Sense service by embedding its user interface within an iFrame. This integration uses back-channel APIs to efficiently retrieve transaction data from users’ bank accounts. Credit Sense enhances the Yodlee APIs with better categorization and analysis of transactions, resulting in a comprehensive profile report.


As a decision support service, Credit Sense specializes in bank statement analysis, automatically retrieving and analyzing customers’ transactions for a complete view of their financial activity. Each transaction is carefully examined using patented heuristics and pattern matching techniques. With Credit Sense, you can approve more customers and effectively boost completion rates.

Enhanced Financial Insights

Credit Sense provides deep analysis and categorization of transaction data, allowing Journey Manager customers to gain a clearer understanding of their clients’ financial activities and behaviors.

Increased Approval Rates

By automatically analyzing bank statements and transactions, Credit Sense helps Journey Manager customers approve more applicants with confidence, leading to higher completion rates and improved business outcomes.

Streamlined Decision-Making

With its advanced heuristics and pattern-matching techniques, Credit Sense simplifies the decision support process for Journey Manager users, enabling faster and more informed lending decisions.