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Cashflow Risk Alerts notify you when a user’s financial position starts to tighten, from declining balances and rising outgoings to projected shortfalls. Instead of reacting after missed payments or overdrafts occur, your team gains real-time visibility into cashflow health as it changes.

These alerts eliminate the need for manual balance tracking and statement reviews. They turn inflows and outflows into clear signals, helping you understand whether someone has sufficient buffer, is approaching pressure, or is at risk of running short.

How it works

Once a user connects their account through secure open banking, the engine continuously monitors balances, inflows, outflows and recurring commitments.
Machine learning and rule-based logic model cashflow trends and identify risk indicators such as shrinking buffers, accelerated spend or projected negative balances.

Alerts trigger instantly based on thresholds you define or intelligent default rules within the engine and are delivered via API or dashboard. Below is an exampe output:

{
  "alerts": [
    {
      "type": "cashflow_risk",
      "severity": "medium",
      "description": "Projected negative balance within 9 days based on current outgoings.",
      "timestamp": "2025-02-13T08:12:00Z"
    }
  ],
  "summary": {
    "overall_risk": "medium",
    "recommended_actions": [
      "Review upcoming commitments",
      "Assess short-term affordability"
    ]
  }
}

This gives your team a reliable, real-time view of cashflow risk without manually tracking balances or transactions.

Proactive cashflow insight

Cashflow Risk Alerts help teams detect pressure early and act with confidence. Whether monitoring affordability, supporting vulnerable users, managing responsible lending, or preventing missed payments, the module provides clear insight into liquidity and short-term financial resilience.

Because these alerts are powered by live open banking data, they reflect real behaviour and current position — not estimates or delayed reporting.

Why real-time cashflow monitoring matters

Cashflow issues often emerge gradually but escalate quickly. Traditional reviews are too slow to capture these shifts.
Real-time alerts identify tightening liquidity as it happens, enabling earlier intervention, safer decisions and more effective support journeys.

Immediate visibility reduces risk, improves outcomes and strengthens trust across financial products.

Get started

Spot cashflow pressure before it becomes a problem.
Cashflow Risk Alerts give you instant insight into liquidity, buffers and short-term affordability, all powered by open banking.

Compare plans or book a demo to integrate real-time cashflow monitoring into your product.