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Credit-Building Recommendations give users clear, personalised pathways to improve their financial standing. Instead of generic advice, the module analyses real banking behaviour to show where users can build stability, strengthen eligibility and take steps towards healthier long-term financial outcomes.

It highlights opportunities to improve credit readiness, reduce risk and build positive habits, empowering users with guidance tailored to their real financial behaviour.

How it works

After a user connects their bank account through secure open banking, the system analyses their income stability, spending patterns, fixed commitments and financial resilience. Machine learning and behavioural modelling work together to identify the most relevant pathways for improving stability and credit readiness.

Recommendations are delivered as clear, actionable cards, helping users understand where they stand and what steps they can take next. Here’s an example of structured output:

{
  "credit_recommendations": [
    {
      "title": "Strengthen your income stability",
      "impact": "medium",
      "reason": "Income varies month-to-month by 22%.",
      "recommendation": "Avoid large discretionary expenses until stability rises."
    },
    {
      "title": "Reduce discretionary overspend",
      "impact": "high",
      "reason": "Your discretionary spend increased for a third consecutive month.",
      "recommendation": "Lower spending in this category to improve affordability metrics."
    },
    {
      "title": "Build a small buffer",
      "impact": "high",
      "reason": "Cashflow shows consistent end-of-month pressure.",
      "recommendation": "Set up an automated weekly transfer to support stability."
    }
  ],
  "summary": {
    "credit_readiness_score": 58,
    "key_focus_areas": ["income stability", "budget discipline", "savings buffer"

This gives you personalised, behaviour-based pathways without your team needing to manually review user data.

Personalised guidance

Credit-Building Recommendations help businesses support customers fairly and effectively. They highlight areas where users need to build stronger habits, reduce risk or prepare for future borrowing — all grounded in real, recent financial behaviour.

This is ideal for digital banks, fintech apps, lenders and financial-wellbeing platforms looking to deliver responsible credit guidance that adapts to each user’s circumstances.

And because the recommendations are based on live open banking data, they’re reliable, up to date and far more accurate than traditional credit tips.

Why credit guidance matters

Credit health isn’t just about scores — it’s driven by behaviour. Income consistency, spending discipline, buffer-building and risk exposure all shape a user’s long-term financial resilience.

This module reveals those signals clearly, helping businesses create fairer lending journeys and helping users make informed financial decisions that strengthen their future.

It also reduces manual work and creates more personalised customer experiences, increasing long-term engagement and trust.

Get started

Deliver smarter, behaviour-led credit pathways in minutes. Credit-Building Recommendations help your users build confidence, resilience and long-term financial stability, powered by open banking. Compare plans or request a demo to see how this module fits your product.