Gokind and Brocc Strengthen Credit and Fraud Risk Management with Transaction Intelligence

Jan 13, 2026 by Gokind

Stockholm, Sweden – Gokind and Brocc are partnering up to push how lenders assess and manage risk. By integrating Gokind’s enhanced transaction enrichment, Brocc gains precise, real-time insights into customer spending behavior, empowering smarter credit decisions and strengthening fraud prevention.

Transforming Risk Assessment with Transaction Intelligence

Effective lending relies on understanding both the opportunities and the risks in each customer’s financial profile. Gokind’s API converts raw bank transaction data into structured & categorised events, enabling Brocc to detect unusual patterns, identify potential fraud, and improve credit scoring with unmatched granularity.

Driving Innovation Beyond Risk Management

Beyond credit and fraud, the partnership lays the groundwork for broader financial innovation. With access to highly structured transaction insights, Brocc can explore tailored financial products, dynamic lending strategies, and personalised customer experiences, all while maintaining the highest standards of data privacy and compliance. This positions both companies to actively enhance the value delivered to consumers and the broader Nordic financial ecosystem.

Key Features of the Partnership

  • Enhanced Credit Risk Evaluation Detailed transaction insights allow for more accurate assessment of repayment capacity and financial health.
  • Real-Time Fraud Detection Gokind’s fraud model flags irregular patterns, reducing exposure to fraudulent activity.
  • Comprehensive Merchant and Transaction Intelligence High-fidelity classification across thousands of merchants in Sweden and the Nordic region.
  • Non-Persistent Data Processing Gokind does not store transaction data. All enrichment is performed in real time, ensuring maximum data integrity, reduced attack surface, and strict adherence to regulatory and privacy requirements.

Impact on the Nordic Fintech Ecosystem

By combining Brocc’s strong lending model with Gokind’s transaction intelligence, the partnership shows how enriched financial data can mitigate risk, protect consumers, and maintain trust. For Nordic lenders and fintechs, this collaboration provides a great example for leveraging open banking data to drive secure, responsible, and scalable credit solutions.

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