Abound, the open banking- and AI-powered lender, has partnered with the ClearScore Group's open banking services business, D•One, to help more people access fairer and more affordable credit.By integrating D•One’s open banking data and transaction categorisation capabilities, Abound will be able to identify creditworthy customers earlier in their application journey. This will support its mission to make credit more inclusive and affordable for people who may be overlooked by traditional lending models.For ClearScore users who have connected their bank accounts, Abound will be able to assess transaction data through D•One's open banking connections and API as soon as they begin searching for a loan - before they even land on Abound's site.This partnership gives Abound access to ClearScore's growing user base of more than 3.5 million open banking-connected users, enabling Abound to provide more accurate quotes from the start of the search journey, while reducing the need for additional open banking checks when a customer completes their application.This partnership follows a period of strong growth for D•One, with more than 30 lenders now signed up to its service including Monzo, Capital One, Zopa, Lendable, and NewDay. This growth has been supported by the launch of its proprietary D•One Risk Score, which enables lenders to make credit decisions using open banking data alone.D•One uses advanced data science techniques including machine learning and AI to analyse transaction data and help lenders assess affordability and lending risk. Built using open banking data, the D•One Risk Score gives lenders a more accurate assessment of their customers’ finances, helping them lend more responsibly, inclusively and competitively.Tim Kelleway, Managing Director at D•One, part of the ClearScore Group, said: “Abound is leading the way in using open banking to make lending fairer and more affordable. By using the D•One Risk Score from the start of the search journey, Abound can build a clearer picture of each customer's finances and give more people an accurate view of the credit options available to them.” “Open banking intelligence is fast becoming a core part of credit decisioning, and Abound is one of the most advanced players in this space. The D•One Risk Score gives lenders more information that help them make better decisions and offer credit responsibly to people who might otherwise be overlooked.” Sam Power, Chief Growth Officer at Abound said: “We’ve always shared a belief with the ClearScore Group that open banking can help bring more suitable products to more people. This partnership underscores that belief by allowing us to look beyond a credit score to a person's real financial picture, rather than relying on the outdated approaches used by traditional lenders.“Working with D•One means that we can make personalised offers to a wider base of customers and give them a streamlined application journey once they arrive on our site. More people get an accurate, fairly priced quote from the very start, and are thereby able to access affordable credit that’s tailored to their true financial situation.”NoYesOpen Banking06 Aug, 2026