Data Insights and Recommendations
Gain a deeper understanding of your customer base to make data-driven decisions that stick.
Use Cases
Evidence regulatory compliance
Deliver automated, transaction-level dashboards that map customer attributes directly to the four FCA Consumer Duty outcomes, providing a clear audit trail.
Support vulnerable customers
Use real-time pattern analysis to flag early indicators of financial distress, such as reliance on high-cost credit or significant income shocks, allowing for timely intervention.
Enhance credit risk models
Boost traditional, backward-looking credit scores with dynamic data, including debt-to-income ratios, income consistency scores, and emerging debt obligations.
How it works: Data Insights and Recommendations
Choose to power by our Open Data connections, your own in-house transaction data, or a combination of both. Insights are delivered in a range of formats and can be seamlessly embedded into your existing systems.
Determine your customer segments and report parameters for reporting using intuitive AI tools.
Moneyhub sets up the reports on a cadence of your choice.
Reports are delivered via an API / Data Feed for real-time integration or a Secure File Transfer Protocol (SFTP) for batch processing or via our intuitive reporting suite.
Use the strategic insights to take action at a business and user level.
Identify
opportunities
Segment
with fine grain accuracy
Engage
with next best actions
Capitalise
on product uptake
Product features
Explore the full suite of core capabilities at Moneyhub.
Go beyond basic spending analysis to understand the specific financial products and services your customers use with granular transaction insights. Set up alerts for proactive monitoring to stay ahead of emerging risks and opportunities.
Core
Transaction Intelligence
Pinpoint mortgage providers, insurance types, and utility providers, including payment amounts, dates, and schedules.
Core
Cash Flow Insights
Examine income versus both discretionary and non-discretionary spending to understand a customer’s financial resilience and savings capacity.
Core
Life Event Indicators
Detect changes in income patterns that signal a new job or salary change, or analyse changes in spending habits to predict life events like a new baby.
Core
Vulnerability Indicators
Proactively identify customers showing signs of financial vulnerability, such as outgoings regularly exceeding income or missed payments.
Core
Income Shock Alerts
Receive notifications of a sudden decline or missed income payment against a backdrop of stable outgoings.
Core
New Loan Alerts
Identify when users take out new loans, particularly multiple or high-cost short-term credit products
“Being able to unlock the power of categorised transaction data in order to improve the financial wellbeing of our members has been revolutionary for those members currently renting but with desires to build their credit history.”
Tom Eyre Co-founder, Loqbox