Simpler way to manage Affordability, Eligibility, Suitability, and Vulnerability

Access applicant’s real time financial data and behaviour and use these insights to safely assess credit worthiness and lend more, to more people. Fast, efficient and cost-effective credit decisioning, with a firm focus on customer outcomes.

                        

 
 
 

The faster, fairer and more accurate alternative to traditional credit scoring

Make better decisions about your customers’ ability to take on regular financial commitments. Identify sources of funds, validate a customer’s bank account and spot indicators of vulnerability…all in one place.

 

Save time, reduce overheads and tackle delinquency

Our Open Banking powered Affordability Dashboard gives lenders a new lens on true affordability. Applicants benefit from reduced financial exclusion and fairer lending decisions. Whilst lenders can save time, reduce overheads and tackle delinquency.

 
 
 
 

Mitigate the risk of harm and evidence good outcomes

Our Open Data Platform helps firms comply with the FCA Consumer Duty. Our data lake helps firms segment and understand their customers’ needs, characteristics and behaviours including how and why customers use (or fail to use) financial services.