Affordabiity Assessments

Using transactional data, we can easily understand the financial situation of your customers, from essential and non-essential spending to net disposable income and any financial products they use- including those of high relevance, like high cost short-term borrowing. This means you can ensure you’re offering the right product at the right time, every time.

Our solution creates a holistic view of your customers’ financial profiles and situations. Because of our expertise in understanding and contextualising transactions, we can combine high impact flags and overall affordability with insights into relations with specific merchants. We then overlay it with income data (covering anything from stability to benefits) to provide a complete consumer overview for the most accurate affordability decision.

Financial transactions provide a vast source of insights into customer activities that might have a special meaning when assessing affordability. We can easily flag anything from gambling spend and big cash withdrawals to failed direct debits, collections and unauthorised overdraft – meaning you can be sure no warning signs have been missed.