Assess affordability with confidence
The Affordability Report combines verified income, spending behaviour and recurring commitments to assess whether a customer can sustainably afford a product or payment. It replaces manual bank statement review with structured, behaviour-led insight, giving teams clear and consistent evidence.
Whether you are approving credit, validating a claim or assessing eligibility, the Affordability Report provides a clear view of financial capacity, without delay or subjective interpretation.
How it works
Once a customer connects their bank account, we analyse income, spending, bills, subscriptions and observed financial patterns over time.
The report calculates essential expenditure, discretionary income and income stability to determine whether a product or obligation is affordable based on real behaviour.
Here is 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 supports consistent decision-making across credit approval, case assessment and claims review.
Trust, speed, and accuracy
The Affordability Report delivers fast, evidence-backed clarity. It highlights income variability, spending commitments and indicators of financial stress that traditional checks often miss.
Outputs are structured for review, audit and regulatory scrutiny, supporting fair and defensible decisions.
The report is used across lending, claims assessment, onboarding and other regulated workflows that require a reliable view of financial capacity.
Why affordability matters
Inaccurate affordability assessments increase risk, disputes and regulatory exposure.
A structured, behaviour-led approach removes uncertainty and ensures decisions reflect a customer’s actual financial position, not assumptions or incomplete information.
Get started
Make affordability decisions you can stand behind. The Affordability Report provides the evidence and clarity your teams 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 assess whether a customer can sustainably afford a product or payment. It replaces manual bank statement review with structured, behaviour-led insight, giving teams clear and consistent evidence.
Whether you are approving credit, validating a claim or assessing eligibility, the Affordability Report provides a clear view of financial capacity, without delay or subjective interpretation.
How it works
Once a customer connects their bank account, we analyse income, spending, bills, subscriptions and observed financial patterns over time.
The report calculates essential expenditure, discretionary income and income stability to determine whether a product or obligation is affordable based on real behaviour.
Here is 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 supports consistent decision-making across credit approval, case assessment and claims review.
Trust, speed, and accuracy
The Affordability Report delivers fast, evidence-backed clarity. It highlights income variability, spending commitments and indicators of financial stress that traditional checks often miss.
Outputs are structured for review, audit and regulatory scrutiny, supporting fair and defensible decisions.
The report is used across lending, claims assessment, onboarding and other regulated workflows that require a reliable view of financial capacity.
Why affordability matters
Inaccurate affordability assessments increase risk, disputes and regulatory exposure.
A structured, behaviour-led approach removes uncertainty and ensures decisions reflect a customer’s actual financial position, not assumptions or incomplete information.
Get started
Make affordability decisions you can stand behind. The Affordability Report provides the evidence and clarity your teams need. Compare packages or request a demo to see it in action.
