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Behavioural Alerts notify you the moment financial behaviour changes, from income fluctuations to spending spikes and early signs of cashflow stress. Instead of discovering issues after the fact, your team gets real-time visibility into what’s happening, enabling proactive support and faster decisions.

These alerts cut through noise and manual monitoring. They turn raw transaction data into clear signals, helping you understand whether users are stable, at risk, or showing new patterns that need attention.

How it works

Once a user connects their account through secure open banking, Behavioural Alerts continually analyse their transactions and cashflow patterns. The system detects behavioural shifts using machine learning and rule-based logic, including unexpected expenses, missed payments, decreasing balances or changes in income frequency.

Alerts trigger instantly based on thresholds you define or default behavioural rules within the engine.
Here’s an example of the structured output:

{
  "alerts": [
    {
      "type": "income_volatility",
      "severity": "medium",
      "description": "Monthly income dropped 18% compared to previous average.",
      "timestamp": "2025-02-11T09:24:00Z"
    },
    {
      "type": "spending_spike",
      "severity": "high",
      "description": "Discretionary spend increased 42% this week.",
      "timestamp": "2025-02-10T14:03:00Z"
    },
    {
      "type": "cashflow_risk",
      "severity": "medium",
      "description": "Projected negative balance within 10 days.",
      "timestamp": "2025-02-11T07:15:00Z"
    }
  ],
  "summary": {
    "overall_risk": "medium",
    "recommended_actions": ["Review upcoming commitments", "Notify user of projected shortfall"

This gives your team a real-time, reliable alert stream, without manually reviewing account data.

Proactive behavioural insight

Behavioural Alerts help teams detect issues sooner and act with confidence. Whether spotting early vulnerability, monitoring risk exposure, or preventing missed payments, the module provides a clear picture of what’s changing and why.

This is crucial for digital banks improving financial support, fintech apps enhancing wellbeing tools, lenders managing responsible borrowing, and any product that relies on early behavioural signals to serve users fairly.

Because alerts are powered by live open banking data, they reflect real behaviour, not assumptions or delayed reporting.

Why real-time alerts matter

Financial behaviour changes quickly, and traditional checks don’t capture that. Weekly or monthly reviews miss key moments, putting customers at risk and slowing your response.

Behavioural Alerts identify patterns as they happen, whether income drops, spending accelerates, or financial pressure emerges. This empowers your team to intervene sooner, design better user journeys, and automate workflows based on reliable behavioural signals.

Real-time visibility leads to safer decisions, fairer outcomes and more personalised financial experiences.

Get started

See behavioural changes as they happen. Behavioural Alerts give you instant visibility into income shifts, spending pressure and cashflow risk, all powered by open banking.
Compare plans or book a demo to integrate alerts into your product.