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Behaviour Change Alerts notify you when a user’s financial behaviour starts to shift, whether spending habits change, risk indicators emerge, or patterns become less stable. Instead of relying on static snapshots, your team gains real-time visibility into how behaviour is evolving.

These alerts cut through transactional noise. They translate complex behavioural data into clear signals, helping you understand whether users are stable, adapting to new circumstances, or showing early signs of vulnerability.

How it works

Once a user connects their account through secure open banking, the engine builds a behavioural baseline across income use, spending patterns and cashflow habits.

Machine learning and rule-based logic continuously compare live behaviour against this baseline to identify meaningful changes.

When new patterns emerge, such as increased risk categories, inconsistent spending or altered income usage, alerts trigger instantly and are delivered via API or dashboard. See below for an example output:

{
  "alerts": [
    {
      "type": "behaviour_change",
      "severity": "medium",
      "description": "Spending behaviour shows increased volatility compared to previous 30-day baseline.",
      "timestamp": "2025-02-14T10:02:00Z"
    }
  ],
  "summary": {
    "overall_risk": "medium",
    "recommended_actions": [
      "Review behavioural trends",
      "Monitor for further instability"
    ]
  }
}

This provides your team with a continuous, real-time view of behavioural change without manual analysis.

Proactive behavioural insight

Behaviour Change Alerts help teams understand not just what is happening, but how financial behaviour is evolving. Whether supporting customers, managing ongoing risk, improving affordability assessments or refining product journeys, the module highlights shifts that matter.

This is particularly valuable for digital banks, lenders, fintech platforms and wellbeing tools that rely on behavioural context to serve users fairly.

Why real-time behavioural monitoring matters

Financial behaviour rarely changes overnight, it shifts gradually, often before traditional risk indicators appear.
Real-time alerts surface these changes early, enabling teams to respond sooner, personalise support and automate workflows based on reliable behavioural intelligence.

Early visibility leads to better decisions, fairer outcomes and stronger user trust.

Get started

Understand behaviour as it changes.
Behaviour Change Alerts give you instant insight into emerging financial patterns and stability signals, all powered by open banking.

Compare plans or book a demo to integrate behavioural monitoring into your product.