Impecuniosity validated. Instantly.

The fastest and most accurate way for Credit Hire Organisations (CHOs) to validate impecuniosity and generate claim packs. Powered by Open Banking and Credit Bureau data for complete financial visibility.

Atto's comprehensive guide to open banking

Your claims. Our clarity.

With Atto's Impecuniosity Platform, CHOs can reduce the time and cost of claim pack generation, cut fraud risk, and improve decision accuracy across every claim.

Built for CHOs

Designed to meet the realities of your business

From regulatory compliance to operational efficiency, Atto helps CHOs prove impecuniosity with less effort and more certainty.

Instant claim packs

Turn financial data into export-ready PDFs

Generate legally compliant claim packs with full account history, custom date ranges, and optional attestation letters in just a few clicks.

Complete financial visibility

Credit Bureau data, now integrated

Access TransUnion Credit Bureau data alongside Open Banking insights to create a fuller, more reliable financial picture.

Smarter fraud detection

AI-powered risk signals coming soon

Upcoming fraud modelling will flag suspicious claims using behavioural and financial pattern analysis before submission.

Do the numbers add up?

Open banking by numbers

Open banking has already made a significant impact, and the statistics below highlight its growing adoption and benefits.

£2.6b
Estimated annual value of the UK credit hire market
30%
Average time spent on claim pack preparation and validation
40%
Reported rise in case-handling capacity after adopting digital validation tools

Engineered for legal finance

Tools to help CHOs move faster and stay compliant

Whether managing hundreds of claims or just a few, Atto gives CHOs clarity and control with every case.

Atto Connect

Seamless banking data capture

Allow consumers to securely share banking data. Atto manages consent, refreshes, and supports coverage across all major banks.

Atto Dashboard

Analyse, assess, export

Use a CHO-specific dashboard to view summaries, configure insights, and export clean, ready-to-submit claim packs.

Atto APIs

Build your own workflow

Integrate Atto’s financial insights directly into your internal systems using our simple, reliable API.

Atto Data Science

Deeper insights with every claim

Our models combine Open Banking and Credit Bureau data to improve accuracy, reduce false claims, and uncover hidden risks.

Servicing our customers

  • “Atto transformed how we manage claims. It’s faster, more accurate, and our team loves it.”

    Partner, Winns Solicitors
  • “We saw an immediate impact on compliance and cost reduction. Game changer.”

    Operations Lead, Bond Turner

Powering household names with real-time customer insights

Deliveroo
Nasdaq
Royal Bank of Scotland
Shieldpay
XE
Target Group

Book a demo

Prove impecuniosity in minutes

Join CHOs across the UK who trust Atto to power impecuniosity assessments and streamline claim pack creation.

Want to see it in action? Book a demo with our team.

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