Wrisk has acquired Atto, a real-time financial intelligence company specialising in open banking–driven credit scoring, income verification, affordability assessment, and behavioural insight. The acquisition strengthens Wrisk’s platform by bringing advanced financial intelligence directly into its embedded insurance and protection ecosystem.
Financial Technology Insights: Beast Industries Acquires Step to Expand Financial Literacy
Atto enables enterprise partners to make context-aware credit and risk decisions within live customer journeys, using transactional behaviour rather than relying solely on static bureau data. Its platform is already used by large enterprise clients across both automotive and non-automotive sectors, helping organisations deliver more accurate, real-time credit insight at the point of decision.
Wrisk works closely with leading automotive OEMs to embed insurance seamlessly into digital customer experiences. By acquiring Atto, Wrisk moves financial intelligence further upstream in the customer journey, creating a single, integrated layer that supports embedded finance, insurance, and protection services within one ecosystem. This integration allows decisioning and execution to operate together, removing the need for fragmented tools and disconnected vendors.
Financial Technology Insights: Reltio Earns AWS Financial Services Industry Competency
For automotive brands and other enterprise partners, the combined platform enables greater flexibility in how finance and protection propositions are designed and delivered. Real-time credit intelligence, affordability checks, and behavioural insight can now be embedded directly into customer journeys, enabling more responsive, personalised experiences across finance and insurance touchpoints.
The acquisition also provides Atto with a broader enterprise foundation. Wrisk’s established OEM relationships, delivery capabilities, and regulated operating framework will support faster deployment of Atto’s technology across new markets, sectors, and use cases.
Nimeshh Patel, Chief Executive Officer at Wrisk, said Atto has built a credible, enterprise-proven financial intelligence platform, and joining forces allows that intelligence to be combined with Wrisk’s large-scale delivery layer. He noted that together the companies are better positioned to support customer journeys that seamlessly span finance, insurance, and protection.
Financial Technology Insights: Arvest Bank Expands Baker Hill Partnership With UN/FY
Rob Knight, Strategic Programme Advisor at Atto, said the acquisition represents a natural next phase in Atto’s growth. He added that while Atto has demonstrated the value of open banking–driven credit intelligence, Wrisk brings the regulated framework and delivery capability required to deploy that intelligence at scale within live finance and protection journeys.
Atto will continue to operate as a dedicated product and team within the Wrisk group, retaining ownership of its product roadmap and existing client relationships across sectors.
To share your insights with the FinTech Newsroom, please write to us at info@intentamplify.com