Credit check checks the creditworthiness of a customer based on his transactions and account data. It provides a solvency value that helps to quickly determine whether a customer is likely to pay an invoice.
If you are dealing with a new customer, you may be reluctant to offer them credit-based payment methods without credit rating information. Credit check quickly verifies the solvency of the customer and enables you to make well-founded decisions about the credit. As a result, you make it easier for people to become customers by offering more payment options.
Individual with wage/payment account at the bank offering the Use Case.