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Income Volatility Alerts notify you the moment a user’s earnings change, whether their salary drops, payment cycles shift, or income becomes irregular. Instead of discovering instability after it affects affordability, your team gets real-time visibility into earning patterns as they change.

These alerts remove the need for manual monitoring. They turn raw income data into clear, structured signals, helping you understand whether someone’s financial position is stable, fluctuating, or showing early signs of risk.

How it works

Once a user connects their account through secure open banking, the engine continually analyses incoming payments, pay frequency, and historical patterns.
Machine learning and rule-based logic detect shifts such as reduced monthly income, missing cycles, irregular deposits or delayed payments.

Alerts trigger instantly based on thresholds you set, or default intelligence within the engine, and are delivered via API or dashboard. Here is an example output:

{
  "alerts": [
    {
      "type": "income_volatility",
      "severity": "high",
      "description": "Income decreased by 22% compared to previous 3-month average.",
      "timestamp": "2025-02-11T09:24:00Z"
    }
  ],
  "summary": {
    "overall_risk": "medium",
    "recommended_actions": [
      "Review affordability position",
      "Check for missing or irregular payments"
    ]
  }
}

This gives your team reliable, real-time visibility without manually reviewing income transactions.

Proactive income insight

Income Volatility Alerts allow teams to identify stability issues early and act with confidence. Whether supporting vulnerable customers, reviewing affordability, assessing lending risk or monitoring ongoing financial health, the module provides a clear picture of how income is evolving and why it matters.

Because these insights come from live open banking data, they reflect real earnings, not assumptions, estimates or outdated reports.

Why real-time income monitoring matters

Income changes are often the earliest indicator of financial pressure. Traditional checks miss these moments or surface them far too late.
Real-time alerts highlight reductions, delays or inconsistencies as soon as they occur, enabling proactive intervention, fairer assessments and more personalised support journeys.

Immediate visibility leads to safer decisions, better outcomes and improved customer experience.

Get started

See income changes the moment they happen.
Income Volatility Alerts give you instant insight into earning patterns, stability and risk, all powered by open banking.

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