Target Group joins forces with Atto to power its user-centric originations system

Target’s award-winning Mortgage Hub is now powered by Atto’s open banking solutions. Atto’s real-time banking information helps speed up mortgage originations process.
Published on
May 30, 2024
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Press release

Target Group has enhanced its award-winning Mortgage Hub originations platform with real-time transaction data from Atto, a leading provider of credit risk solutions.

Atto, which rebranded earlier this year from DirectID, is working with Target Group to provide real-time open banking information and deliver instant insights into the financial behaviours of borrowers. The partnership will enable lenders to make informed decisions much faster, helping to speed up and simplify the mortgage process for consumers and brokers too.

Real-time insights and historical transaction data allows lenders to build an accurate risk profile for each individual. Meanwhile, new data sources such as rental payment history increase the customer pool and create opportunities for more first-time buyers or single individuals returning to the market.

With Atto now fully embedded and providing access to its open banking information, Mortgage Hub continues to speed up its originations processes. The integrated and modular Mortgage Hub system can reduce the time between application and offer, with a decision in principle available in as little as 20 seconds.

Atto’s input into Mortgage Hub will continue to improve the overall experience for all parties involved in the mortgage process. Replacing traditional processes with data-driven decision making is reducing the reliance on outdated and inefficient practices which have contributed to the notoriously slow mortgage originations of the past.

Peter O’Connor, Chief Executive Officer for Target Group, said:

Joining forces with Atto means we can harness its market-leading open banking data and technology which will help to significantly speed up the mortgage process. Open banking allows lenders to do more business and faster, as well as understand marginal customers who may not be served by the current model. Given our shared ethos, Atto is an excellent fit for Target and for Mortgage Hub.

Clare McCaffery, CCO at Atto, adds:

Open banking and transactional data plays a critical role in driving better decision making and delivering greater efficiencies across the entire mortgage process. Atto is at the forefront of adoption and we’re proud to be working with Target. Mortgage Hub is set to revolutionise the way that lenders and brokers place a mortgage and we are excited to be part of supporting its continued evolution.

For more information, please get in touch with Liam Thomson at Atto ( or Ashley Robertson at bClear Communications ( and 01275 542511).

About Target Group

Target Group is part of the Tech Mahindra global family, and specialises in digital transformation.

A leading provider of business process servicing and operational transformation for over 50 major financial institutions across the globe, Target’s clients include DVLA, Barclays and BBC.

Our leading fintech platform manages assets in excess of £11 billion, enabling our clients to automate complex critical processing, servicing and administration of loans, as well as investments and insurance.  We deliver competitive advantage and enable scalable growth.  Alongside loan and investment servicing and software solutions, Target leverages deep domain expertise to advise on process improvement, due diligence, and regulatory compliance.

Target systems currently process over 19 million accounts and collect £3billion of direct debit payments each year on behalf of both private and public sector clients.

For further information about Target Group, please visit

About Atto

Atto takes the lead with a clear mission, to shape a more predictable future for lenders. Using real-time bank transaction data, Atto delivers a suite of predictive models to empower risk management.

Atto offers a range of insights that gives risk managers a detailed view of customer spending, saving, and earning. This added level of understanding enhances credit risk assessment and promotes a more compliant lending environment.

Providing accurate foresight lies at the heart of Atto's values. By leveraging current financial information, consumers are more likely to receive equitable treatment, whilst businesses gain the tools to make more informed and appropriate lending decisions.

With innovation in data science at its core, Atto paves the way for a future where complex decisions can be made in real-time with impossibly recent data.

Learn more at

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