Wrisk Acquires Atto to Boost Open‑banking Credit Data Wrisk, an Insurtech company’s acquisition of Atto on 10 February 2026, illustrates how automotive manufacturers are expanding beyond vehicle production into finance, insurance, and digital retail. As OEMs invest in direct-to-consumer sales platforms and captive finance models, they integrate credit approval, affordability assessment, and protection products with core manufacturing and order management systems. The acquisition of Atto connects embedded insurance infrastructure with real-time financial intelligence within automotive ecosystems. It operates as a managing general agent in the UK and EU. It partners with automotive OEMs to integrate insurance into branded purchase journeys. Atto delivers a financial intelligence platform powered by open banking that focuses on credit scoring, income verification, affordability assessment, and behavioral insight. The collaboration creates a platform that connects finance decisioning and protection delivery within OEM-controlled environments. Manufacturers now manage more of the customer lifecycle, from vehicle configuration and order placement to finance approval and after-sales services. Wrisk positions its platform within the infrastructure and enables OEMs to embed insurance directly into their digital channels rather than redirect customers to external providers. Nimesh Patel, Chief Executive Officer at Wrisk, discusses how the acquisition supports the approach: “Atto has built a credible financial intelligence and credit scoring platform with real-world enterprise use.” He adds, “Together, we can better support customer journeys that span finance, insurance, and protection seamlessly.” The integration reduces fragmentation between systems for manufacturers. Instead of coordinating separate vendors for credit checks, insurance underwriting, and digital delivery, OEMs access finance and protection services through a single framework. The alignment supports consistency across markets and simplifies integration with internal sales and order management platforms. Nimesh outlines the broader direction for financial services within manufacturer-led ecosystems: “The future of financial services is embedded, contextual, and data-led.” Wrisk previously stated, “We are