Wrisk has announced the acquisition of Atto, a real-time financial intelligence platform specializing in open banking–driven credit scoring, income verification, affordability assessment, and behavioural insights.

Atto enables enterprise partners to make context-aware credit and risk decisions within live customer journeys, using transactional data that goes beyond traditional static credit bureau information. The platform is already deployed by large enterprise clients across automotive and non-automotive sectors, supporting more accurate and dynamic credit decisioning.

Wrisk works with leading automotive OEMs to embed insurance directly into digital customer experiences. The acquisition brings financial intelligence further upstream into Wrisk’s platform, creating a unified layer that supports embedded finance, insurance, and protection services within a single ecosystem.

For automotive brands and other enterprise partners, the combined Wrisk–Atto platform enables greater flexibility in designing and delivering finance and protection propositions. By unifying decisioning and execution, partners can deliver more responsive, personalized customer journeys without relying on fragmented tools or multiple vendors.

The acquisition also provides Atto with a stronger enterprise foundation. Wrisk’s established OEM relationships, delivery capabilities, and regulated operating framework are expected to accelerate the rollout of Atto’s technology across new markets and additional use cases.

“Atto has built a credible financial intelligence and credit scoring platform with real-world enterprise use,” said Nimeshh Patel, Chief Executive Officer at Wrisk. “Joining Wrisk allows us to combine that intelligence with a delivery layer that serves brands and partners at scale. Together, we can better support customer journeys that span finance, insurance, and protection seamlessly.”

The deal reinforces Wrisk’s strategy to simplify and modernize embedded financial services, while positioning the combined platform to meet growing enterprise demand for real-time, data-driven decisioning across complex digital journeys.