CUSTOMER CASE
Lunar automates credit assessment with Risika
How the Nordic region's fastest-growing bank uses Risika to make smart credit decisions – quickly and scalably.
ABOUT LUNAR
Lunar is a digital bank offering banking services to individuals and companies in the Nordics. With over 500,000 customers and ambitions to redefine banking, they need systems that can keep up.
Industry: Fintech / Banking
Headquarters: Aarhus, Denmark
Employees: 200+
Customers: 500,000+
The Challenge
As a digital bank focused on business customers, Lunar faced a challenge:
• Scaling: Many new business customers daily required quick credit assessment
• Quality: Decisions had to be consistent and based on reliable data
• Speed: Customers expect answers quickly – not days, but minutes
• Integration: The solution had to integrate with Lunar's existing platforms
Manual credit assessment could never scale with Lunar's growth.
The Solution
Lunar chose Risika as partner for credit assessment of business customers.
Integration:
Risika Connect API integrated directly into Lunar's platforms. Credit assessment happens automatically when a new business customer is created.
Automation:
Credit Automator makes routine decisions based on Lunar's credit policies. Only exceptions are sent for manual review.
Data:
Risika Data delivers updated company and financial data on all Danish companies.
of credit decisions made automatically
from application to decision
decisions based on Lunar's policies
the solution grows with Lunar without bottlenecks
"Risika has enabled us to automate our credit decisions and focus on what truly creates value. We couldn't have scaled our business operations without it.
Products Lunar uses
Risika Connect
API integration to Lunar's platforms
Risika Data
Company and financial data
Credit Automator
Automated credit decisions