Catenaa, Sunday, February 15, 2026-Wrisk has acquired Atto, a real-time financial intelligence platform, to create a unified ecosystem for embedded finance, insurance, and protection services.
Atto provides enterprise clients with open banking–driven credit scoring, income verification, affordability assessment, and behavioral insights.
Its technology allows context-aware credit and risk decisions within live customer journeys, supplementing traditional bureau data with transactional intelligence.
The acquisition integrates Atto’s financial intelligence into Wrisk’s existing platform, which embeds insurance products into digital automotive customer experiences.
The combined platform enables brands and enterprise partners to design and deliver finance and protection propositions more responsively, eliminating the need for multiple disconnected tools or vendors.
Decisioning and execution are now centralized, allowing for personalized and seamless customer journeys.
Wrisk CEO Nimeshh Patel said the integration combines Atto’s credit intelligence with Wrisk’s delivery capabilities, supporting scale across brands and markets.
Atto will operate as a dedicated product and team within Wrisk, retaining its roadmap and client relationships.
The acquisition also broadens Atto’s enterprise reach, leveraging Wrisk’s established OEM partnerships, regulated operating framework, and deployment experience to accelerate adoption across automotive and non-automotive sectors.
Wrisk, headquartered in London with a global team of over 100 professionals, operates as a regulated MGA in the UK and EU.
Atto’s platform transforms raw financial data into actionable insights, enabling faster, smarter decisions across finance and insurance without adding friction to customer experiences.
