CDR Gateway

Leverage our experience and technology to become an ADR and gain a competitive advantage with Open Banking data.
CDR Gateway

Key Features

The Frollo CDR gateway takes care of the complete process of managing consent and collecting CDR data and gives you access to the full suite of B2B solutions within the Frollo SaaS Integration platform.

CDR data collection

Collect CDR data from Data Holders on your customers’ behalf, with real time user initiated updates and up to 6 background refreshes per day.

Multi data source aggregation

One API for CDR, screen scraping and direct bank APIs for a complete
financial picture.

Direct access to Frollo SaaS Integration platform

The CDR gateway is part of our SaaS Integration platform, giving you plug & play access to our PFM features, Income & Expense and marketplace integrations.

Market leading transaction enrichment

Plug into our AI powered Data Enrichment engine and turn CDR data into insights, with 95% categorisation accuracy.

Consent management

A compliant consent management journey following ACCC CX guidelines: Consent collection, bank connections
& token management and consent withdrawal.

Key Benefits

CDR in a box

Easy to integrate API & SDK toolbox

Broad coverage

Easily supplement CDR data with other data sources

Proven technology

Our CDR technology is accredited and live in market under CDR rules

Leading the charge

Get access to new providers and products as they become available

Get started with our CDR Gateway

What will you build? Get in touch to discuss the possibilities or schedule a demo.

Use cases

Multi Banking

Offer your customers the full picture of their finances within your banking app​.
  • Accurate view of your share of wallet and who your real competitors are
  • Better tailor your products to your target audience
  • Cross sell using personalized messages and offers, increasing your share of wallet

Streamline your Credit Decisions

Open Banking data enables lenders to make an accurate and reliable assessment within minutes, of a customer’s financial position and repayment ability.​
  • Reduced TTY, have the right conversation about the best product fit for the customer.
  • Faster lending decisions lead to improved customer experience and reduced admin load.

How it works

1. Customer consent

  • Collect and manage consent from your customer to collect their data

2. Connect to Data Holder

  • Connect with the Data Holder to access your customers’ data, authenticate your identity and accreditation status

3. Authentication

  • The Data Holder authenticates the identity of the customer

5. Authorisation

  • The customer authorises the Data Holder to disclose their data to you

4. Data sharing

  • The customer’s data is shared with you by the Data Holder

Case studies

We’re helping neobanks, traditional banks, Fintechs, lenders and employers get ahead of the competition with our B2B solutions. Here are some examples of partners and the challenges we’ve helped them with.

White Label Solution

Volt Labs

Challenge

Volt Bank was waiting for APRA approval to launch core banking products and didn’t yet have an app in market. They wanted to engage the community of early adopters signed up as beta customers and start building products based on learnings from users.

Solution

By launching a ‘labs app’ with Frollo, the neobank was able to start more meaningful co-creation conversations and product testing with their beta customers and pre-seed their new account opening pipeline with a deeper level of customer data.

Aggregation

Data enrichment

Surveys

Reporting

Marketplace

API & SDK

Volt Bank

Volt bank logo black white

Challenge

After launching their savings account, Volt Bank was looking to launch a feature inside the Volt Bank app to help their customers develop a saving habit.

Solution

Volt Bank used the Frollo SDKs to quickly integrate the proven PFM functionality Frollo offers.
 
Frollo supplemented the Volt iOS and Android teams with developers to accelerate the integration of the SDK. They also integrated user authentication and transaction enrichment at this stage, making it easy to rapidly roll out new features.
 

Result

Volt Bank was able to quickly launch their goals feature, using the Frollo SDK to integrate in their app.

 

Goals

User authentication

Data enrichment

Rapid deployment

Cost efficient

White Label Solution

Speckle

speckle loans

Challenge

Speckle is an Australian not-for-profit (part of NAB), providing small loans for life’s expenses. They were looking for a way to help their customers better understand their finances and pay down their debts.

Solution

The Frollo lending whitelabel app gives Speckles’ customers the full picture of their finances, by integrating with their loan management system as well as aggregating other accounts and loans their customers have.

The personalised ‘debt journey’ helps their customers on their way to pay down debt and turn around their finances.

Lending white label

Personalised debt journey

Loan management integration

User authentication

Aggregation & Enrichment

Rapid deployment

Cost efficient

White Label Solution

Home Loan Ready

Challenge

An Australian Tier 1 lender wanted to help its customers feel more confident about being able to afford potential mortgage repayments, while at the same time acquire additional data to support their lending decisions.

Solution

The Home Loan Ready app challenges users to prove that they will make future repayments should they take on a new or increased home loan. The app enables users to set the size of future home loan payments, Frollo then tracks their goal payments and the user’s comfort-level with that commitment.

The lender was able to use this data for insights into share of wallet, potential loan size, savings and timing for loan offers.

Goals & Challenges

Data enrichment

Other products

Our SaaS Integration platform sits at the core of the Frollo ecosystem, bringing together our AI engine, API’s, partner integrations and Open Banking solutions. 

Aggregation

One API to create a single customer view

Data Enrichment

Turn raw transaction data into insights using AI

Insights

Personalised and actionable financial insights

Financial wellbeing score

One simple score and steps to turn finances around

Budgeting

Smart budgeting with powerful data visualisation

Frollo dashboard screen

People like you

Powerful community-driven insights for users

Goals & challenges

Improve financial wellbeing by tracking progress

Bill tracker

Help users stay on track of regular payments

Product switching

Better outcomes with more relevant offers for users

Journey builder

Build personalised, omnichannel user journeys

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