Assess affordability with confidence
The Affordability Report combines verified income, spending behaviour and recurring commitments to provide a reliable assessment of whether a customer can sustainably afford a product or payment. It replaces manual bank-statement review with structured, behaviour-driven insight that gives your team instant clarity.
Whether you’re approving a loan, validating a claim, or assessing eligibility for finance, the Affordability Report shows the true picture of a customer’s financial capacity, without guesswork or delays.
How it works
Once a customer connects their bank account, we analyse income, spending, bills, subscriptions and financial patterns.
The Affordability Report then calculates discretionary income, essential expenditure and historic stability to determine whether the customer can reasonably afford the product or obligation.
Here’s an example of the structured output:
{
"account_number": "12345678",
"sort_code": "12-34-56",
"match_status": "verified",
"name_match": true,
"account_active": true,
"timestamp": "2025-04-14T14:06:00Z"
This empowers you to make accurate, consistent decisions, whether you’re approving credit, assessing a case, or validating income claims.
Trust, speed, and accuracy
The Affordability Report provides fast, evidence-backed clarity. It highlights financial stress, income variability, and spending commitments that traditional checks often miss.
This ensures decisions are fair, defensible and aligned with regulatory expectations.
It’s ideal for lending, claims assessment, financial services onboarding and any workflow requiring a solid view of financial capacity.
Affordability matters
Unclear or inaccurate affordability assessments lead to poor outcomes, disputes and compliance issues.
A structured, behaviour-led approach removes uncertainty, ensuring your decision truly reflects the customer’s financial reality.
The Affordability Report empowers you to act responsibly, efficiently and with complete confidence.
Get started
Ready to make affordability decisions you can defend? The Affordability Report delivers the clarity, evidence and speed your processes need. Compare packages or request a demo to see it in action.
Assess affordability with confidence
The Affordability Report combines verified income, spending behaviour and recurring commitments to provide a reliable assessment of whether a customer can sustainably afford a product or payment. It replaces manual bank-statement review with structured, behaviour-driven insight that gives your team instant clarity.
Whether you’re approving a loan, validating a claim, or assessing eligibility for finance, the Affordability Report shows the true picture of a customer’s financial capacity, without guesswork or delays.
How it works
Once a customer connects their bank account, we analyse income, spending, bills, subscriptions and financial patterns.
The Affordability Report then calculates discretionary income, essential expenditure and historic stability to determine whether the customer can reasonably afford the product or obligation.
Here’s an example of the structured output:
{
"account_number": "12345678",
"sort_code": "12-34-56",
"match_status": "verified",
"name_match": true,
"account_active": true,
"timestamp": "2025-04-14T14:06:00Z"
This empowers you to make accurate, consistent decisions, whether you’re approving credit, assessing a case, or validating income claims.
Trust, speed, and accuracy
The Affordability Report provides fast, evidence-backed clarity. It highlights financial stress, income variability, and spending commitments that traditional checks often miss.
This ensures decisions are fair, defensible and aligned with regulatory expectations.
It’s ideal for lending, claims assessment, financial services onboarding and any workflow requiring a solid view of financial capacity.
Affordability matters
Unclear or inaccurate affordability assessments lead to poor outcomes, disputes and compliance issues.
A structured, behaviour-led approach removes uncertainty, ensuring your decision truly reflects the customer’s financial reality.
The Affordability Report empowers you to act responsibly, efficiently and with complete confidence.
Get started
Ready to make affordability decisions you can defend? The Affordability Report delivers the clarity, evidence and speed your processes need. Compare packages or request a demo to see it in action.
