Subaio and Aiia Partner on White-Label Creditworthiness Solution for Banks

Subaio and Aiia (a Mastercard company) announced a partnership to develop an automated creditworthiness assessment solution targeting banks, financial institutions, and leasing companies. The white-label product leverages Aiia's open banking infrastructure to access customer financial data and Subaio's technology for detecting and analyzing recurring payments, enabling more accurate and efficient credit scoring. The solution was designed to replace manual credit assessment processes, reducing friction for both lenders and borrowers.

By combining open banking data aggregation with intelligent payment pattern recognition, the partnership aimed to offer financial institutions a turnkey embedded lending decisioning tool. Full rollout was expected during Q1 2022. The partnership underscores the growing trend of specialized fintech firms collaborating to deliver modular BaaS components to incumbent financial institutions.