Lend smarter. Decide faster. Risk Less.
With automated affordability and servicablity reports based on verified CDR bank data and financial behaviour insights.
Trusted by leading Australian lenders & platforms
The old way of assessing borrowers is broken.
Three forces are reshaping how lenders assess and process borrower data.
Manual Review Costs Are Unsustainable
Every credit analyst manually reviewing PDF bank statements is costing you time, accuracy, and money.
Approval Speed Is a Competitive Weapon
The lender who says yes first wins the customer. A slow time-to-decision isn’t just inefficient – it’s a revenue problem.
Screen Scraping’s Future Is Uncertain
The traditional method is being phased out under Australia’s CDR framework. If your data stack depends on screen scraping, you need a replacement now.
Lending decisions built on behavioural data, not documents.
Documents can be forged. Credit scores can hide high risk lifestyles.
But transaction behaviour reveals the complete picture.
The GoLend Report categorises live bank data in seconds, giving your credit team an accurate affordability view for every borrower – and the confidence to approve faster than your competitors.
Risk Detection
Descriptive Analytics
Expenses
Behaviour Insights | 99% Accuracy
Categorisation
Transaction Categorisation
Hardship & Vulnerability Checks
Affordability & Serviceability Metrics
Proof of Income
Income Identification | Multiple Streams For Gig Economy
The Specialists In Data Insights.
Data insights has been our focus for 10+ years, across 4 billion transactions. We’ve provided data insights to 3 of the Big 4 Banks, over 4 billion transactions, over 10 years.
See how MogoPlus compares to the major data insights tools in the Australian market.
Why lenders choose MogoPlus
Designed and supported locally for Australian lenders, Australian regulations, and the Australian credit landscape.
40% higher categorisation rates compared to leading providers. More complete categorised transaction data means fewer gaps in your borrower’s financial picture – and better lending decisions.
Usage-based pricing. Pay only for what you use
We’ve provided data insights to 3 of the Big 4 Banks, for more than $10B transactions, over 10 years.
We’re powered by advanced ML to ensure the fastest, safest, smartest credit assessment insights.
Write smarter, faster loans in minutes.
Replace manual loan application processing with automated insights.
01
Access To Sandbox
0-48 hours
Start your free trial and get instant access to the Mogoplus sandbox environment. Run real categorisation and affordability analysis against test data.
02
Integrate Via API
2-5 business days
Full API documentation and SDK support. Connect us to your loan origination system or access our dashboard portal.
03
Go Live In Production
Under 2 weeks
Move from sandbox to production with your dedicated onboarding engineer.
Hear From Lenders
MOGOPLUS actively collaborates with and serves leading banks, lenders and platforms across the credit sector, delivering innovative solutions that drive business growth and operational efficiency.
With MOGOPLUS, our credit assessment processes are now producing quicker decisions, more accurate assessments and a low friction member experience. As a small mutual we have found the solution highly beneficial for both our staff and our members.
Sally Eales - CEO
Central Murray Credit Union Limited
By using Mogoplus to optimize credit decisioning, we're able to automate our 'Little Money' cash advance products for customers who can afford to repay them, and provide them with access to cash when they need it to cover life's unexpected turns. This partnership allows us to scale responsibly while maintaining the customer-first approach that has driven our growth.
Mark Waller - CEO
One Click Life (ASX:1CL)
Combining Mogo's 'GoLend' Affordability Report with our Open Banking APIs, allows us to offer a best-of-breed 'data + insights' solutions via a single API integration to lenders of all shapes & sizes who want to migrate away from screen-scraping.
Ben Ford - Country Manager, AU
Wych
Shifting from a traditional paper-based workflow to one which is data and insights focused means we are more productive, efficient and responsive to our customer needs.
Senior Credit Manager
Mutual Bank
Getting the most from our customer data to provide better experiences and more personalised engagements is now possible using the MOGOPLUS analytics suite.
Head of Data and Analytics
Non-Bank Lender
Utilising the MOGOPLUS Insights solution has enabled us to process more credit applications across all lending products and significantly reduce our cost of origination.
Head of Credit and Risk
Tier 2 Australian Lender
The complete Open Banking + Credit Intelligence stack
Most lenders need 2 things: CDR accredited open banking data access and a best in class enrichment and decisioning layer.
Most lenders only provide 1. Mogoplus x Wych solves both.
MogoPlus brings the credit intelligence layer. Wych brings CDR-accredited Open Banking data access.
Together, they give Australian lenders a complete, compliant data stack – with no gaps, no multiple vendors, and no integration headaches.
Trust Every Yes
Sample our reports today to discover how your lending business can drive sustainable growth without the default risk.