Make faster, more confident lending decisions
Decision-ready data for better, faster decisions upfront, plus analytics for clearer risk and opportunity monitoring over time.
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Trusted by banks, software platforms and their customers for 15+ years.
Introducing
Products built for SME lending decisions
ACSISS Data Enrich, ACSISS SME Report and ACSISS Credit Monitor give lending teams the transaction data and risk signals they need. For faster onboarding, sharper credit decisions, and ongoing portfolio monitoring. Backed by SISS Data Services.
ACSISS Data Enrich
Transaction enrichment & analytics
Automatically categorises, labels and structures raw transaction feeds.
ACSISS SME Report
Full SME financial report
A full business overview including Pulse score, cashflow and data completeness check.
ACSISS Credit Monitor
Periodic risk scoring & monitoring
Generates periodic risk scores, alerts, and related outputs from business transaction data for credit risk assessment, monitoring, and compliance.
See everything
Decide on the full picture, not a partial one
ACSISS Data Enrich categorises each applicant’s bank data and ACSISS SME Report assesses its completeness, helping you identify gaps before making a credit decision.
Grow your book
Grow SME approvals without increasing risk
With ACSISS SME Report, lend to businesses with limited credit history and into new segments, using a risk score built on business transaction data. Expand your addressable market within your risk tolerance.
Always on
Catch risk early and grow your existing book
Continuous monitoring with ACSISS Credit Monitor surfaces early signs of deterioration and the right moments to extend more credit to your existing clients after initial settlement.
Why lenders choose SISS
SISS provides secure access to customer transaction data through Open Banking and direct bank feeds. We help lenders automate financial assessment, reduce onboarding friction, and make better decisions with accurate and complete data.
The most comprehensive data
Combined Open Banking and direct bank feeds give you broader coverage and fewer gaps than Open Banking alone and we check for completeness - so credit decisions are based on the full picture.
Enrichment built on industry best-practice
Transactions are categorised and analysed using methods refined across 15 years of working with banks, lenders, and accounting platforms, giving you data your team can actually act on.
Risk scoring you can count on
Risk scores built for SMEs, with completeness and reliability indicators, so you can grow and monitor your book within your risk appetite and know when a score is trustworthy
Not just Open Banking but a reliable data infrastructure
Unlike providers that rely solely on Open Banking, SISS combines regulated data access with direct bank integrations
- Delivering more consistent coverage
- Better data reliability
- Fewer gaps in real-world lending scenarios.
Secure & compliant financial data access
Ready to improve your lending decisions?
Speak with our team to see how SISS can support your lending workflows with reliable financial data.