One platform.
AI credit decisioning.
Payments infrastructure.
Likuid is your all-in-one financial platform for managing risk, making smarter decisions, and getting paid — connecting every stage of the credit journey, from onboarding and verification to decisioning, payments, and collections.
| Check | Value | Param | Outcome |
| Total Defaults L36M | 2 | <= 3 | ✓ Pass |
| CCJs Last 36 Months | 1 | <= 0 | ⚠ Review |
| Credit Utilisation | 78% | <= 70% | ⚠ Review |
| Income Verification | — | — | ✕ Fail |
Built for banks, lenders and financial institutions
Proven results
Likuid is AI-first.
Specialist agents mapped to every stage of the credit journey, working autonomously to optimise your entire book.
High-quality onboarding, driven by real data.
Guides every applicant through onboarding, pulling and verifying data automatically — and learning from every application to keep lead quality high.
- Asks only what isn't already answered by open banking or bureau data
- Updates acquisition filters in real time from every application
- Continuously improves data quality and lead scoring
No more retros — decisions that learn in real time.
Suggests scorecard changes from live book performance and surfaces risk and opportunity as it emerges — no manual analysis, no waiting for the quarterly review.
- Scorecard suggestions from live performance — not last quarter's data
- Accept more or less based on actual outcomes
- Automatic cohorts surface risk concentrations and new opportunities
Every payment automated. Every miss, addressed.
Orchestrates payment schedules with full reconciliation and handles misses, near-misses and forecast shortfalls proactively — maximising collections with zero manual work.
- Handles misses and shortfalls automatically — no manual intervention
- Real-time reconciliation across every method and settlement account
- Direct Debit, Faster Payments, Pay by Bank — switched by outcome
The right workflow for every customer moment.
Builds and deploys AI workflows across your systems — initiating collections, hardship and forbearance journeys from detection to resolution, with no manual build.
- Workflows triggered by risk, opportunity and upsell signals
- Works across multiple systems to reduce cost to serve
- Collections, hardship and forbearance handled end-to-end
Likuid automates the credit journey, end to end.
A modular framework that, combined, drives powerful outcomes — all through a single point of connectivity.
The Likuid platform
Six modules — deploy one, or run the whole credit journey.
Optimised application journeys with eligibility, affordability and broker connectivity.
Enrich and assemble every data source into one validated customer view.
AI scoring and real-time decisioning that learns from live book performance.
Payment orchestration across all rails with automated retry and reconciliation.
Proactive engagement and automated collections, hardship and forbearance.
Aggregated portfolio insight and continuous strategy recommendations.
REST API
Webhooks
Platforms
Core BankingSecurity & Compliance
Move faster with Likuid.
Real-time data, automation and intelligent insights in one platform. Leave your details and we'll be in touch — or book a demo to see it live.
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